# EDGAR Filing Document

**Accession Number:** 0002062117
**File Stem:** 0001999371-25-009413
**Filing Date:** 2025-7
**Character Count:** 3875219
**Document Hash:** 2ea66f72146ad49aa6c48d44f5802017
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009413.hdr.sgml**: 20250718

**ACCESSION NUMBER**: 0001999371-25-009413

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

**PUBLIC DOCUMENT COUNT**: 57

**CONFORMED PERIOD OF REPORT**: 20250718

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

**FILED AS OF DATE**: 20250718

**DATE AS OF CHANGE**: 20250718

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Non-Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor V LLC
- **CENTRAL INDEX KEY:** 0002062117

**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:** 025-07662
- **FILM NUMBER:** 251134824

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor V LLC
- **CENTRAL INDEX KEY:** 0002062117

**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:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**<u>GCAT Depositor V LLC</u>**

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

Name and telephone number, including area code, of the person to contact in<br> 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 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0002062117 |
|  | <u>GCAT 2025-NQM4 Trust</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable): ________________ |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

<u>Thomas Durkin, (212) 692-2000</u> <br> Name and telephone number, including area code, of the person to contact in <br> connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.2](ex99-2.htm) | AMC Rating Agency Grades |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Valuation Summary |
| [99.5](ex99-5.htm) | AMC Supplemental Data |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Clayton Services LLC ("Clayton") Narrative |
| [99.8](ex99-8.htm) | Clayton Conditions Report |
| [99.9](ex99-9.htm) | Clayton Loan Level Tape Compare |
| [99.10](ex99-10.htm) | Clayton Non ATR QM |
| [99.11](ex99-11.htm) | Clayton Rating Agency ATR QM |
| [99.12](ex99-12.htm) | Clayton Valuations Summary |
| [99.13](ex99-13.htm) | Clayton Waived Conditions |
| [99.14](ex99-14.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.15](ex99-15.htm) | Clarifii ATR OR QM Report |
| [99.16](ex99-16.htm) | Clarifii Data Compare Report |
| [99.17](ex99-17.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.18](ex99-18.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.19](ex99-19.htm) | Clarifii Valuation Report |
| [99.20](ex99-20.htm) | Clarifii Supplemental Data Extract |
| [99.21](ex99-21.htm) | Canopy Financial Technology Partners, LLC ("Canopy") Narrative |
| [99.22](ex99-22.htm) | Canopy RA Grades Detail Report |
| [99.23](ex99-23.htm) | Canopy RA Grades Summary Report |
| [99.24](ex99-24.htm) | Canopy Valuation Report |
| [99.25](ex99-25.htm) | Canopy ATR QM Report |
| [99.26](ex99-26.htm) | Canopy Data Compare |
| [99.27](ex99-27.htm) | Canopy Supplemental Data Extract |
| [99.28](ex99-28.htm) | Consolidated Analytics, Inc ("Consolidated") Narrative |
| [99.29](ex99-29.htm) | Consolidated Exception Standard Report |
| [99.30](ex99-30.htm) | Consolidated Valuations Summary Report |
| [99.31](ex99-31.htm) | Consolidated Grading Summary Report |
| [99.32](ex99-32.htm) | Consolidated Supplemental Report |
| [99.33](ex99-23.htm) | Consolidated Data Compare Report |
| [99.34](ex99-34.htm) | Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative |
| [99.35](ex99-35.htm) | Covius ATR OR QM Report |
| [99.36](ex99-36.htm) | Covius Tape Compare |
| [99.37](ex99-37.htm) | Covius Exceptions Report |
| [99.38](ex99-38.htm) | Covius Grades Report |
| [99.39](ex99-39.htm) | Covius Valuation Report |
| [99.40](ex99-40.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Narrative |
| [99.41](ex99-41.htm) | Maxwell Standard Exceptions Report |
| [99.42](ex99-42.htm) | Maxwell Grading Report |
| [99.43](ex99-43.htm) | Maxwell Valuation Report |
| [99.44](ex99-44.htm) | Maxwell Supplemental Data Report |
| [99.45](ex99-45.htm) | Maxwell Data Compare Report |

---

**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.

---

| | | |
|:---|:---|:---|
|  | GCAT Depositor V LLC | GCAT Depositor V LLC |
|  | (Depositor) | (Depositor) |
| Date: July 18, 2025 | /s/ Thomas Durkin | /s/ Thomas Durkin |
|  | Name: | Thomas Durkin |
|  | Title: | President (senior officer in charge of securitization) |

---

## Exhibit 99.1

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage V LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from October 2024 through July 2025 on mortgage loans with origination dates from June 2022 through June 2025 via files imaged and provided by the Client for review.

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

The total population of the Review covered 622 mortgage loans totaling an aggregate original principal balance of approximately $329.882 million.

**(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 above.

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

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

---

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

---

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

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![](ex991001.jpg)

**<u>CREDIT SCOPE (353 Mortgage Loans):</u>**

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

**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, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

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

**<u>BUSINESS PURPOSE SCOPE (269 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

▪ 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.

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![](ex991001.jpg)

▪ 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.

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

---

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

---

**(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, and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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![](ex991001.jpg)

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

**<u>COMPLIANCE SCOPE (353 Mortgage Loans)</u>**

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.

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

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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.

**(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;

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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.

**(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

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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, |

---

---

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

---

---

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

---

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

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

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

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

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

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

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

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*<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.**

**(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.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

**(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

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review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

**SUMMARY OF FINDINGS 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**

After giving consideration to the grading criteria of the relevant NRSROs, the grading results are as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll & S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;482 | &nbsp;&nbsp;279 | &nbsp;&nbsp;622 | &nbsp;&nbsp;438 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;140 | &nbsp;&nbsp;74 | &nbsp;&nbsp;0 | &nbsp;&nbsp;184 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**353** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**622** |
| &nbsp;&nbsp;**Kroll & S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll & S&P Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77.49% | &nbsp;&nbsp;79.04% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;70.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22.51% | &nbsp;&nbsp;20.96% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;29.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Kroll & S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;78 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;147 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***206*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***206*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;***342*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 622 mortgage loans reviewed, 358 mortgage loans had 2,039 different tape discrepancies across 63 data fields (some mortgage loans had more than one data delta). The largest variances were found on Contract Sales Price, Amortization Term, Amortization Type and Lien Position.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;188 | &nbsp;&nbsp;446 | &nbsp;&nbsp;42.15% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;153 | &nbsp;&nbsp;531 | &nbsp;&nbsp;28.81% | &nbsp;&nbsp;622 |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;31 | &nbsp;&nbsp;38 | &nbsp;&nbsp;81.58% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;36 | &nbsp;&nbsp;39 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;205 | &nbsp;&nbsp;3.90% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;19 | &nbsp;&nbsp;24 | &nbsp;&nbsp;79.17% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;10 | &nbsp;&nbsp;38 | &nbsp;&nbsp;26.32% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;44 | &nbsp;&nbsp;203 | &nbsp;&nbsp;21.67% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;9 | &nbsp;&nbsp;28 | &nbsp;&nbsp;32.14% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;54 | &nbsp;&nbsp;352 | &nbsp;&nbsp;15.34% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;33 | &nbsp;&nbsp;40 | &nbsp;&nbsp;82.50% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;24 | &nbsp;&nbsp;26 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;622 | &nbsp;&nbsp;0.16% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;43 | &nbsp;&nbsp;13.95% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;43 | &nbsp;&nbsp;23.26% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;192 | &nbsp;&nbsp;547 | &nbsp;&nbsp;35.10% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;614 | &nbsp;&nbsp;6.03% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;146 | &nbsp;&nbsp;153 | &nbsp;&nbsp;95.42% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;36 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;10 | &nbsp;&nbsp;15 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;221 | &nbsp;&nbsp;12.22% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;153 | &nbsp;&nbsp;611 | &nbsp;&nbsp;25.04% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;9 | &nbsp;&nbsp;38 | &nbsp;&nbsp;23.68% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;14 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;380 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;530 | &nbsp;&nbsp;6.98% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;36 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;462 | &nbsp;&nbsp;8.01% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;278 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;622 |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;347 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;36 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;622 | &nbsp;&nbsp;0.16% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;622 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;622 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;36 | &nbsp;&nbsp;363 | &nbsp;&nbsp;9.92% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;152 | &nbsp;&nbsp;622 | &nbsp;&nbsp;24.44% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;5 | &nbsp;&nbsp;274 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;36 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;36 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;70 | &nbsp;&nbsp;362 | &nbsp;&nbsp;19.34% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;621 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;34 | &nbsp;&nbsp;194 | &nbsp;&nbsp;17.53% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;25 | &nbsp;&nbsp;622 | &nbsp;&nbsp;4.02% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;622 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;6 | &nbsp;&nbsp;214 | &nbsp;&nbsp;2.80% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;61 | &nbsp;&nbsp;117 | &nbsp;&nbsp;52.14% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;14 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;21 | &nbsp;&nbsp;23 | &nbsp;&nbsp;91.30% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;20 | &nbsp;&nbsp;622 | &nbsp;&nbsp;3.22% | &nbsp;&nbsp;622 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2039** | &nbsp;&nbsp;**13908** | &nbsp;&nbsp;**14.66%** | &nbsp;&nbsp;**622** |

---

**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;614 | &nbsp;&nbsp;98.71% | &nbsp;&nbsp;$318759223.00 | &nbsp;&nbsp;96.63% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$11123260.00 | &nbsp;&nbsp;3.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;622 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$329882483.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$1055350.00 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$1293050.00 | &nbsp;&nbsp;0.39% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;215 | &nbsp;&nbsp;34.57% | &nbsp;&nbsp;$104474346.00 | &nbsp;&nbsp;31.67% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;$2369650.00 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;92 | &nbsp;&nbsp;14.79% | &nbsp;&nbsp;$46364422.00 | &nbsp;&nbsp;14.05% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;266 | &nbsp;&nbsp;42.77% | &nbsp;&nbsp;$147322896.00 | &nbsp;&nbsp;44.66% |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.47% | &nbsp;&nbsp;$27002769.00 | &nbsp;&nbsp;8.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;$1547580.00 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;601 | &nbsp;&nbsp;96.62% | &nbsp;&nbsp;$319934828.00 | &nbsp;&nbsp;96.98% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.89% | &nbsp;&nbsp;$8400075.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;311 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$177072387.00 | &nbsp;&nbsp;53.68% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;53 | &nbsp;&nbsp;8.52% | &nbsp;&nbsp;$20475081.00 | &nbsp;&nbsp;6.21% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.25% | &nbsp;&nbsp;$7890150.00 | &nbsp;&nbsp;2.39% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;140 | &nbsp;&nbsp;22.51% | &nbsp;&nbsp;$76892164.00 | &nbsp;&nbsp;23.31% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.89% | &nbsp;&nbsp;$8407550.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;62 | &nbsp;&nbsp;9.97% | &nbsp;&nbsp;$26484375.00 | &nbsp;&nbsp;8.03% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.57% | &nbsp;&nbsp;$7776080.00 | &nbsp;&nbsp;2.36% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;$4884696.00 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;311 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$208179902.00 | &nbsp;&nbsp;63.11% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;291 | &nbsp;&nbsp;46.78% | &nbsp;&nbsp;$108265748.00 | &nbsp;&nbsp;32.82% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.22% | &nbsp;&nbsp;$13436833.00 | &nbsp;&nbsp;4.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;353 | &nbsp;&nbsp;56.75% | &nbsp;&nbsp;$234782793.00 | &nbsp;&nbsp;71.17% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;269 | &nbsp;&nbsp;43.25% | &nbsp;&nbsp;$95099690.00 | &nbsp;&nbsp;28.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**622** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$329882483.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.2

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

 **Exhibit 99.2**

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | 583015727 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 578176888 |  |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 568205483 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 550462140 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 551810685 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 589981196 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 555349278 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 597246676 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 549695540 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 556367788 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 514443356 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 539715807 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 568846252 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 522258549 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 544226718 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 543611383 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 555011177 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 561274562 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 580931728 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 502886210 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 591203022 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 519955065 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 502992593 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 578661855 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 593639202 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 535579538 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 526689141 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 505605884 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 584297579 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 557043492 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 594625941 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 558342742 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 532378003 |  |  |  |  | C |  | D | D | A |  | A | A |  |
|  | 567001547 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 515866821 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 555015356 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 575029161 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 597982657 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 508953897 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 563694700 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 581845048 |  |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 588028000 |  |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 525486785 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 523534636 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 583682822 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 513599865 |  |  |  |  | C D |  | A | C D | B |  | A | B |  |
|  | 593392387 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 569969242 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 554712217 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 551161178 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 580879821 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 575257751 |  |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 569413868 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 539680092 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 506097908 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 556910054 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 560498067 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 534351566 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 507528278 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 573253404 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 535884204 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 589027262 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 561523826 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 572595572 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 569119837 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 551536181 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 503574469 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 524509263 |  |  |  |  | C D |  | A | C D | B |  | A | B |  |
|  | 532231753 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 518926155 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 530805399 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 516134120 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 599444590 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 579152515 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 541255298 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 593594826 |  |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 525755769 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 555049235 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 588522167 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 588167657 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 577357918 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 594775534 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 539047487 |  |  |  |  | C |  | D | D | A |  | A | A |  |
|  | 500277473 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 558045095 |  |  |  |  | C |  | D | D | B |  | A | B |  |
|  | 558953635 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 568032139 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 539487858 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 580399472 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 516393751 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 599265654 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 527452569 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 588692859 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 533530800 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 565610282 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 564939144 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 544810776 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 530453062 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 577186037 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 560910014 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 541051211 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 557323646 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 591839359 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 560719428 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 595394951 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 517531582 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 506979233 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 539700235 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 572770560 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 521294657 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 540131747 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 520333237 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 590045271 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 556053197 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 555659754 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 539000228 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 566563032 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 599653057 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 572525171 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 507254988 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 522088053 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 555609012 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 580250804 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 518698818 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 581439422 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 549150052 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 567895098 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 565728928 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 521517616 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 545421751 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 552174761 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 502957932 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 575767163 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 536059974 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 552032921 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 530671011 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 547942153 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 533318426 |  |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 544333879 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 544851658 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 545108221 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 532521318 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 553966257 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 506565852 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 502009648 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 548430551 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 580202652 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 525806826 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 521786380 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 537218828 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 554556432 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 582109239 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 546198269 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 545988432 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 591646474 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 565254397 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 546883870 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 504629974 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 583357383 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 565880779 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 507167213 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 516850059 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 564829419 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 546062765 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 578763458 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 549601589 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 586716306 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 531540916 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 588001114 |  |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 599654256 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 507673995 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 504128784 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 537121171 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 523893491 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 538493259 |  |  |  |  | C D | A | A | C D | B | A | A | B |  |
|  | 533621247 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 545854264 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 544060803 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 586381696 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 555235722 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 555128687 |  |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 535096161 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 520324277 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 596876526 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 525702063 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 559286059 |  |  |  |  | B | B | A | B | B | B | A | B |  |
|  | 505416737 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 551235996 |  |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 559977576 |  |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 560366770 |  |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 550655922 |  |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 521248415 |  |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 537297820 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 551702033 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 549587930 |  |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 506121336 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 545222922 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 519266996 |  |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 548676663 |  |  |  |  | A | C | D | D | A | B | A | B |  |
|  | 539287427 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | 561692773 |  |  |  |  | B | C | A | C | B | B | A | B |  |
|  | 573533544 |  |  |  |  | C | C | A | C | B | B | A | B |  |
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|  | 551548955 |  |  |  |  | B | C | A | C | B | A | A | B |  |
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|  | 570872302 |  |  |  |  | A | C | A | C | A | A | A | A |  |
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|  | 511828547 |  |  |  |  | C D | C | A | C D | A | A | A | A |  |
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|  | 505837892 |  |  |  |  | C D | C | A | C D | A | A | A | A |  |
|  | 559287846 |  |  |  |  | C | A | A | C | A | A | A | A |  |
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|  | 508983883 |  |  |  |  | C | C | A | C | A | B | A | B |  |
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|  | 594457946 |  |  |  |  | A | A | A | A | A | A | A | A |  |
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|  | 557641084 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 500120930 |  |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 528666055 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 563838874 |  |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 596676593 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 576638323 |  |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 527395572 |  |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 544358387 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 556235600 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 591065895 |  |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 562615100 |  |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 596331385 |  |  |  |  | C | A | A | C | A | A | A | A |  |

---

## Exhibit 99.3

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

 **Exhibit 99.3**

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **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** |
|  | 583015727 |  |  |  | 32066442 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-08-06): [Redacted] received [Redacted] Final CD<br>Reviewer Comment (2024-07-25): Close date for loan is [Redacted] per Notary and signing date. Initial CD is dated [Redacted]. [Redacted] is also considered final CD. Provide any closing CD for review if available.<br>Seller Comment (2024-07-24): Comment from [Redacted] ([Redacted]): Please see attached final CD | 08/06/2024 |  |  | 1 C A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Exempt from ATR | Exempt from ATR | Yes |
|  | 583015727 |  |  |  | 32066443 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure[REDACTED]on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | File is missing a copy of the Seller CD. |  |  |  | Reviewer Comment (2024-07-25): [Redacted] received Seller CD.<br>Seller Comment (2024-07-24): Comment from [Redacted] ([Redacted]): Please see seller CD | 07/25/2024 |  |  | 1 C A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
|  | 583015727 |  |  |  | 32066444 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | HOA per [Redacted]$[Redacted]/annually. Lenders utilized $[Redacted]/annually. |  |  |  | Reviewer Comment (2024-08-06): [Redacted] received [Redacted] Final CD<br>Seller Comment (2024-08-05): Comment from [Redacted] ([Redacted]): Please seeattached Final CD from [Redacted]<br>Reviewer Comment (2024-07-25): Close date for loan is [Redacted] per Notary and signing date. Initial CD is dated [Redacted]. [Redacted] is also considered final CD. Provide any closing CD for review if available.<br>Seller Comment (2024-07-24): Comment from [Redacted] ([Redacted]): Please see attached final CD | 08/06/2024 |  |  | 1 C A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
|  | 583015727 |  |  |  | 32066445 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-07-29): PDI provided. Cleared. | 07/29/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
|  | 583015727 |  |  |  | 32066447 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Consummation date [Redacted], HOI Effective Date[Redacted]. Wet State. | 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 X years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-13): LOE of no claims filed between not signing and effective date.<br>Seller Comment (2024-08-13): Comment from [Redacted] ([Redacted]): Please see attached email from HOI showing no claims.<br>Reviewer Comment (2024-07-25): A purchase would require the note signing. Without an attestation that there was no damage between the note signing and the date of the coverage occurred.<br>Buyer Comment (2024-07-25): Comment from [Redacted] ([Redacted]): Sign and close date was [Redacted], disbursement date was [Redacted], HOI was valid at time of disbursement |  |  | 08/13/2024 | 2 C B |  | TX | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
|  | 583015727 |  |  |  | 32066448 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | [Redacted] language is missing from the policy. |  |  |  | Reviewer Comment (2024-07-26): Received, Clearing.<br>Seller Comment (2024-07-26): Comment from [Redacted] ([Redacted]): Please see attached, | 07/26/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
|  | 583015727 |  |  |  | 32066449 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller fees do not match borrower final CD. |  |  |  | Reviewer Comment (2024-08-06): [Redacted] received[Redacted] Final CD | 08/06/2024 |  |  | 1 A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
|  | 578176888 |  |  |  | 33134953 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller paid fees on the seller's closing disclosure are not consistent with those on the borrower's final closing disclosure. |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received seller CD<br>Seller Comment (2025-04-02): [Redacted]- Uploaded Executed Seller CD showing seller paid fees and final cash to close calculations. Please review and clear exception. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 578176888 |  |  |  | 33135343 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow Schedule E and 1040 transcripts in lieu of 1040 tax returns for rental income. Approval in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than X 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]. | [Redacted] FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-31): The client elects to waive. |  |  | 03/31/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 578176888 |  |  |  | 33135361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow borrower provided IRS transcripts for co-borrower. Lender approval provided. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than X 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]. | [Redacted] FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-31): The client elects to waive. |  |  | 03/31/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 550462140 |  |  |  | 33142546 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to waive hazard and property tax escrows. Lender approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | Originator,SitusAMC | Reviewer Comment (2025-04-01): Lender exception in file. |  |  | 04/01/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 551810685 |  |  |  | 33154237 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to omit the new lease from the borrower's DTI. Lender approval in file. | 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>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 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. | $[Redacted] residual income<br>[Redacted] months reserves<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-02): Lender exception in file. |  |  | 04/02/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 555349278 |  |  |  | 33177753 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Lender exception for insufficent tradelines. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): Lender exception in file. |  |  | 04/03/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 556367788 |  |  |  | 33177676 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use 3 business bank accounts for sources of income. Approval in file. | 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 X years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-04): Lender exception in file |  |  | 04/04/2025 | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 539715807 |  |  |  | 33177068 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing |  | 04/02/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 522258549 |  |  |  | 33194350 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum credit score for FTHB is [Redacted], lender exception in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The 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]%. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-07): Lender exception in file. |  |  | 04/07/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 522258549 |  |  |  | 33204007 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTHB using asset depletion, lender exception in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The 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]%. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-07): Lender exception in file. |  |  | 04/07/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 555011177 |  |  |  | 33183162 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Copy of Hazard Insurance Policy is not available in file. |  |  |  | Reviewer Comment (2025-04-01): Received and associated Hazard Insurance Policy document. Exception Cleared.<br>Buyer Comment (2025-03-31): attached<br>Buyer Comment (2025-03-31): HOI | 04/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 591203022 |  |  |  | 33244630 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | 2 months bank statements required when being used for asset utilization. |  |  |  | Reviewer Comment (2025-04-18): Received and associated 2 months bank statements from [Redacted] #[Redacted]. Exception cleared.<br>Seller Comment (2025-04-16): Attached [Redacted][Redacted] Checking Account ending in [Redacted]. | 04/18/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 578661855 |  |  |  | 33243243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for using bank statements from a [Redacted] company. | Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-11): Lender exception in file. |  |  | 04/11/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 532378003 |  |  |  | 33220651 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-03-31): Received and associated UCDP report with CU Score#[Redacted] Exception Cleared.<br>Buyer Comment (2025-03-28): Fannie SSR score [Redacted] | 03/31/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 532378003 |  |  |  | 33220652 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Missing title. |  |  |  | Reviewer Comment (2025-03-31): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-03-28): Title with loan amount uploaded to [Redacted]. | 03/31/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 532378003 |  |  |  | 33220653 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file was missing a copy of the title commitment/final title policy. |  |  |  | Reviewer Comment (2025-03-31): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-03-28): Title with loan amount. | 03/31/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 567001547 |  |  |  | 33220661 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter of explanation stating the reason the subject property is vacant. |  |  |  | Reviewer Comment (2025-04-02): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-01): See LOX provided | 04/02/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 515866821 |  |  |  | 33220684 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Copy of Accommodation rider is not available in file. |  |  |  | Reviewer Comment (2025-04-07): Received and associated Accommodation Rider document. Exception cleared<br>Buyer Comment (2025-04-04): Accommodation rider | 04/07/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 597982657 |  |  |  | 33291023 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non first time investor living rent free must provide proof of a 12-month ownership AND rental history on an REO property. |  |  |  | Reviewer Comment (2025-05-02): Proof of ownership and rental history were provided.<br>Seller Comment (2025-04-30): Attached a copy of the lease for [Redacted]. Please Clear<br>Reviewer Comment (2025-04-24): Provide either a prior lease or Sch E, LOE from borrower, etc, as borrower is living rent free. The pay history and insurance binder show he owns a property, guidelines specifically state rental history is required as well, exception remains.<br>Seller Comment (2025-04-22): On page [Redacted]of [Redacted] is the[Redacted] month mortgage pay history and on page [Redacted]is a Landlord Policy for his rental on [Redacted] that proves rental history on an REO along with the data verify starting on page [Redacted]that shows the purchase of that investment property located at [Redacted] Please Cancel. | 05/02/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
|  | 508953897 |  |  |  | 33280361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for tradelines. | Borrower has owned the subject property for at least [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>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. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-17): Lender exception in file. |  |  | 04/17/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 581845048 |  |  |  | 33291858 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  | Reviewer Comment (2025-04-28): The client accepts this as is. |  |  |  | 2 B |  | AL | Second Home | Purchase | B A | Non QM | Non QM | No |
|  | 588028000 |  |  |  | 33290824 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-04-24): A CDA was provided.<br>Seller Comment (2025-04-22): Attached the CDA | 04/24/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 513599865 |  |  |  | 33294986 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Mortgage lates reflected on the subject property exceeding [Redacted] as per guideline requirements. [Redacted] in last 12 months. Max is [Redacted]. | Borrower has owned the subject property for at least [Redacted] years.<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>Miscellaneous<br>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. | LTV is at least [Redacted]% < guideline requirement.<br>Prior homeownership experience (No FC or Short Sale)<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-09): Compensating Factor Update.<br>Reviewer Comment (2024-06-24): Lender exception with compensating factors. |  |  | 06/24/2024 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 513599865 |  |  |  | 33294987 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan file is missing the Business Purpose & Occupancy Affidavit (initial). |  |  |  | Reviewer Comment (2024-06-28): Received Initial Business Purpose & Occupancy Affidavit. Exception Cleared.<br>Buyer Comment (2024-06-27): Initial business purpose affidavit uploaded | 06/28/2024 |  |  | 1 C A D |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 593392387 |  |  |  | 33294993 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Exception approval for a LTV/CLTV to [Redacted]%. Experienced Investors with a DSCR score between [Redacted]-[Redacted] have a maximum LTV/CLTV of [Redacted]%. The Compensating Factor is Prior Homeownership experience does not reflect a foreclosure or short sale. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 593392387 |  |  |  | 33294994 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender Exception approval for a LTV/CLTV to [Redacted]%. Experienced Investors with a DSCR score between [Redacted]-[Redacted] have a maximum LTV/CLTV of [Redacted]%. The Compensating Factor is Prior Homeownership experience does not reflect a foreclosure or short sale. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 569969242 |  |  |  | 33294996 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: [Redacted] <br> Disaster End Date: [Redacted]<br> Disaster Name: [Redacted]<br> Disaster Declaration Date: [Redacted] |  |  |  | Reviewer Comment (2024-08-23): Received Property inspection report. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-08-22): Attached, no damage. | 08/23/2024 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 551161178 |  |  |  | 33295008 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Account Months Verified is less than 2 months (Statement Received Acct ending [Redacted] [Redacted] - [Redacted] and [Redacted] - [Redacted]) |  |  |  | Reviewer Comment (2024-08-28): Consecutive bank statement received and verified the details. Exception Cleared.<br>Buyer Comment (2024-08-27): Consecutive bank statement uploaded. | 08/28/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 551161178 |  |  |  | 33295010 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved exception requested for Non - Warrantable Condo | 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>Miscellaneous<br>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership Experience (No FC or SS)<br>Low default risk with equity, LTV [Redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-19): Lender Exception with Compensating Factors |  |  | 08/19/2024 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 575257751 |  |  |  | 33295015 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-10-02): Final title provided, exception cleared. | 10/02/2024 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 575257751 |  |  |  | 33295016 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage is less than the loan amount. Please provide updated coverage of final Title Policy evidencing the correct coverage. |  |  |  | Reviewer Comment (2024-10-02): Final title provided, exception cleared.<br>Buyer Comment (2024-09-26): Final title policy uploaded. | 10/02/2024 |  |  | 1 B A |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 569413868 |  |  |  | 33295018 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The leases for the subject property reflect < 3months remaining at time of close as they are month to month. The loan file does not contain document the extension of leases as required by guidelines. |  |  |  | Reviewer Comment (2024-09-05): Exception cleared.<br>Buyer Comment (2024-08-27): The appraisal confirms both units remain occupied. Guidelines do not specifically require a lease extension, rather a lease extension is offered as an example of the evidence of continued occupancy. The appraisal is the evidence in this case. | 09/05/2024 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 506097908 |  |  |  | 33295035 |  | 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 insurance is required for subject properties. |  |  |  | Reviewer Comment (2024-09-05): Insurance provided, exception cleared.<br>Buyer Comment (2024-08-27): The policy provided in the file includes rent loss insurance, see page [Redacted]/[Redacted]showing "RENTAL PROPERTY INSURANCE" is included as part of the contract with the insurer, and then page [Redacted]/[Redacted][Redacted]defining the terms of the fair rental value coverage. | 09/05/2024 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 506097908 |  |  |  | 33295036 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Less than 6 months on title. Based on estimated closing date of [Redacted]. Borrower will have [Redacted] days seasoning. Borrower was deed onto title [Redacted]. Guidelines requires 6 months. | 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. | Lender Exception with Compensating Factors | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-19): Lender Exception with Compensating Factors |  |  | 08/19/2024 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 556910054 |  |  |  | 33295038 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for subject property being a Rural property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-08-29): Lender Exception with Compensating Factors. |  |  | 08/29/2024 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
|  | 507528278 |  |  |  | 33295043 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The subject property is a non warrantable condo which is ineligible per guidelines. | 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 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. | Reserves exceed guidelines by at least [Redacted] months.<br>LTV is less than guideline maximum by at least [Redacted]%.<br>Excellent Credit Management with FICO [Redacted]+ | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 573253404 |  |  |  | 33295048 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The Articles of Organization/Formation is missing for [Redacted]. |  |  |  | Reviewer Comment (2024-09-19): Acceptable doc provided.<br>Buyer Comment (2024-09-13): Please escalate to [Redacted]/[Redacted]as documentation provided meets guideline requirements.<br>Reviewer Comment (2024-09-13): Articles of Organization/Formation is a part of business documentation which is a required document. Exception remains..<br>Buyer Comment (2024-09-12): Please note, Operating Agreements found in file, images [Redacted], [Redacted]and [Redacted]. All information required is found in file. Articles of Organization/Formation required IF applicable.<br>Reviewer Comment (2024-09-09): Articles of Organization/Formation is a required document. Exception Remains.<br>Buyer Comment (2024-09-05): Please see image D0039, EIN reflects borrower as sole member. Articles of Organization are not required. | 09/19/2024 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 573253404 |  |  |  | 33295050 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The final signed and dated Business Purpose Agreement is missing from the loan file. |  |  |  | Reviewer Comment (2024-09-09): Received final signed and dated Business Purpose document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-09-05): Final business purpose disclosure uploaded. | 09/09/2024 |  |  | 1 C A D |  | WA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 573253404 |  |  |  | 33295051 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Certificate of Foreign Qualification is missing from the loan file. |  |  |  | Reviewer Comment (2024-09-12): Not required for the state of WA, exception cleared. | 09/12/2024 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 535884204 |  |  |  | 33295054 |  | 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. |  | At the time of appraisal inspection is not required in the file. |  |  |  | Reviewer Comment (2024-09-13): Received form [Redacted] with inspection date post disaster end date. Exception Cleared.<br>Buyer Comment (2024-09-12): Disaster reinspection report uploaded. | 09/13/2024 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 589027262 |  |  |  | 33295057 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | The max LTV for an experienced investor with a DSCR of [Redacted] is [Redacted]%. |  |  |  | Reviewer Comment (2024-09-26): Lender exception in file to allow for use of actual rents to calculate DSCR and now DSCR greater than [Redacted]and minimum LTV is [Redacted]%<br>Buyer Comment (2024-09-24): PC Exception Approval to allow the use of actual rents vs market rents. LTV max is [Redacted]%<br>Reviewer Comment (2024-09-23): Guidelines state for STR - The Debt-Coverage Ratio (DCR) must be calculated using the lesser of the documented rents from the property management service or the appraiser's estimate of market rents. If we use the following - Short term rentals of less than one month in term will be qualified as an unleased property unless the borrower is able to demonstrate a [Redacted]-month history of rents on the subject property. The borrower may provide documentation from their property management service documenting [Redacted]months gross rents, then the max LTV for an unleased property is [Redacted]%, so the LTV is getting worse. Please advise on how you would like to proceed.<br>Buyer Comment (2024-09-16): Short term rental, so it is acceptable to use the rents received for the DSCR. Short term rentals of less than [Redacted]month in term will be qualified as an unleased property unless the borrower is able to demonstrate a [Redacted]-month history of rents on the subject property. The borrower may provide documentation from their property management service documenting [Redacted]months gross rents. Documentation provided meets guidelines and can be used for DSCR.<br>Reviewer Comment (2024-09-13): DSCR as per short term rental document is [Redacted]/[Redacted]=[Redacted]. However, we have comparable rent schedule on file reflecting estimated rent of [Redacted]/[Redacted]= [Redacted]due to which we are unable to meet the LTV requirement per Guidelines. Exception Remains<br>Buyer Comment (2024-09-12): Proof rents received averaging $[Redacted]over last [Redacted]months. DSCR is [Redacted]and max LTV is [Redacted]% | 09/26/2024 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 589027262 |  |  |  | 33295058 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | The max LTV for an experienced investor with a DSCR of [Redacted] is [Redacted]%. |  |  |  | Reviewer Comment (2024-09-26): Lender exception in file to allow for use of actual rents to calculate DSCR and now DSCR greater than [Redacted]and minimum LTV is [Redacted]%<br>Buyer Comment (2024-09-24): PC Exception Approval to allow the use of actual rents vs market rents. LTV max is [Redacted]%<br>Reviewer Comment (2024-09-23): Guidelines state for STR - The Debt-Coverage Ratio (DCR) must be calculated using the lesser of the documented rents from the property management service or the appraiser's estimate of market rents. If we use the following - Short term rentals of less than one month in term will be qualified as an unleased property unless the borrower is able to demonstrate a [Redacted]-month history of rents on the subject property. The borrower may provide documentation from their property management service documenting [Redacted]months gross rents, then the max LTV for an unleased property is [Redacted]%, so the LTV is getting worse. Please advise on how you would like to proceed.<br>Buyer Comment (2024-09-16): Short term rental, so it is acceptable to use the rents received for the DSCR. Short term rentals of less than one month in term will be qualified as an unleased property unless the borrower is able to demonstrate a [Redacted]-month history of rents on the subject property. The borrower may provide documentation from their property management service documenting [Redacted]months gross rents. Documentation provided meets guidelines and can be used for DSCR.<br>Reviewer Comment (2024-09-13): DSCR as per short term rental document is [Redacted]/[Redacted]=[Redacted]. However, we have comparable rent schedule on file reflecting estimated rent of [Redacted]/[Redacted]= [Redacted]due to which we are unable to meet the CLTV requirement per Guidelines. Exception Remains<br>Buyer Comment (2024-09-12): Proof rents received averaging $[Redacted]over last [Redacted]months. DSCR is [Redacted]and max LTV is [Redacted]% | 09/26/2024 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 589027262 |  |  |  | 33295059 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow the use of actual rents received vs market rents on the appraisal. | 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.<br>Miscellaneous<br>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership Experience (No FC or SS)<br>Multiple mortgages ([Redacted]+) reported on credit seasoned [Redacted]+ months & 0X30 | SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-26): Lender Exception with Compensating Factors. |  |  | 09/26/2024 | 2 B |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 551536181 |  |  |  | 33295084 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free at other than spouse's residence and is a first time investor which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-04): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-10-01): Attached post-closing exception for the occupancy circumstances. Low risk scenario.<br>Reviewer Comment (2024-09-24): Pg [Redacted] of Matrix version [Redacted]states: Borrower living rent free at other than spouse's residence are acceptable with a [Redacted]FICO and must not be a first time investor.<br>Buyer Comment (2024-09-19): Could you please escalate this discrepancy to your team lead or Spv? The Guidelines state that if the borrower has a FICO score of more than [Redacted]may qualify for living rent-free at an other than a spouse. The actual FICO score is [Redacted]. Please see the attached documents. |  |  | 10/04/2024 | 2 C B |  | VA | Investment | Purchase | C B A |  | N/A | No |
|  | 551536181 |  |  |  | 33295085 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-11-11): Property inspection report provided reflecting no damage, exception cleared.<br>Buyer Comment (2024-11-01): Please see the re-inspection report attached. No damage been reported | 11/11/2024 |  |  | 1 A |  | VA | Investment | Purchase | C B A |  | N/A | No |
|  | 503574469 |  |  |  | 33295089 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property was listed at time of application (Guideline require a listing to be cancelled prior to or at time of application). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-19): Lender exception with compensating factors. |  |  | 09/19/2024 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 524509263 |  |  |  | 33295090 |  | 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 ___. | The Loan to value ratio is [Redacted]%. Maximum Loan to value allowed per guideline is [Redacted]% if DSCR is <[Redacted]. | 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>Miscellaneous<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale).<br>Excellent credit management with FICO [Redacted]+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-19): Lender exception with compensating factors. |  |  | 09/19/2024 | 2 B |  | PA | Investment | Purchase | D B A |  | N/A | No |
|  | 524509263 |  |  |  | 33295091 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | OFAC Search of Pittsburgh House [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Received OFAC document. Exception cleared.<br>Buyer Comment (2024-09-20): OFAC uploaded. | 09/23/2024 |  |  | 1 C A D |  | PA | Investment | Purchase | D B A |  | N/A | No |
|  | 524509263 |  |  |  | 33295093 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The combined loan to value ratio is [Redacted]%. Maximum combined loan to value allowed per guideline is [Redacted]% if DSCR is <[Redacted]. | 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>Miscellaneous<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale).<br>Excellent credit management with FICO [Redacted]+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-19): Lender exception with compensating factors. |  |  | 09/19/2024 | 2 B |  | PA | Investment | Purchase | D B A |  | N/A | No |
|  | 524509263 |  |  |  | 33295094 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is living rent free and a letter from the person providing the free housing is missing from the loan file. |  |  |  | Reviewer Comment (2024-09-24): Updated LOE provided, exception cleared.<br>Buyer Comment (2024-09-20): LOE uploaded. | 09/24/2024 |  |  | 1 C A |  | PA | Investment | Purchase | D B A |  | N/A | No |
|  | 532231753 |  |  |  | 33295096 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted]+ financed properties with [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-01-30): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-09-19): Lender exception with compensating factors. |  |  | 09/19/2024 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
|  | 518926155 |  |  |  | 33295103 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC report was not provided for the borrowing entity. |  |  |  | Reviewer Comment (2024-10-04): Provided. Cleared.<br>Buyer Comment (2024-10-01): OFAC for borrowing entity uploaded. | 10/04/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 518926155 |  |  |  | 33295104 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is a first time investor (has only owned subject property for X months) and is living rent free at residence other than a spouse's which is ineligible per guidelines. |  |  |  | Reviewer Comment (2024-11-25): Exception cleared.<br>Buyer Comment (2024-11-13): Please see Warranty Deed and Property Profile for property located at [Redacted] reflecting borrower is not a 1st time homebuyer. The [Redacted] Organization the subject was purchased in [Redacted]was the LLC with the borrower and ex spouse. All documentation transferring subject to The [Redacted] in the borrowers name has been included with the initial file upload. Borrower is not a first time investor.<br>Reviewer Comment (2024-10-28): The date the lease was signed by the Borrower and the tenant was on [Redacted] (pg [Redacted]).<br>Buyer Comment (2024-10-24): Please see tenant license reflecting address changed in [Redacted], borrower is not a FTHB.<br>Reviewer Comment (2024-10-23): The provided lease was signed by tenant and landlord on [Redacted].<br>Buyer Comment (2024-10-21): Lease agreement for commercial property reflecting borrower is not a FT investor uploaded.<br>Reviewer Comment (2024-10-11): Please provide property history report that reflects borrower has owned [Redacted] since [Redacted]as no documentation reflecting when borrower obtained property.<br>Buyer Comment (2024-10-08): Please note, borrower is not a FTH as property located at [Redacted] has been owned since [Redacted].<br>Reviewer Comment (2024-10-04): Per Guidelines : A First-Time Investor is a borrower who has not owned at least [Redacted] investment property for at least [Redacted]months anytime during the most recent [Redacted]-month period. Borrower has only owned the property since [Redacted], less than [Redacted] months making them a First Time Investor.<br>Buyer Comment (2024-10-04): Borrower is not a first time investor as loan is a cash out refinance. | 11/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 518926155 |  |  |  | 33295105 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Maximum LTV for a first time investor with DSCR <[Redacted] is [Redacted]%. |  |  |  | Reviewer Comment (2024-10-10): Received Lease agreement and rent roll. Exception Cleared.<br>Buyer Comment (2024-10-08): Proof higher rents per lease received. ($[Redacted]) DSCR > [Redacted]. | 10/10/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 518926155 |  |  |  | 33295106 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Maximum LTV for a first time investor with DSCR <[Redacted] is [Redacted]%. |  |  |  | Reviewer Comment (2024-10-10): Received Lease agreement and rent roll. Exception Cleared.<br>Buyer Comment (2024-10-08): Proof higher rents per lease received. ($[Redacted]) DSCR >[Redacted]. | 10/10/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 518926155 |  |  |  | 33295107 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-11-25): Property Inspection Report document received and associated. Exception Cleared.<br>Buyer Comment (2024-11-20): Disaster reinspection report uploaded. | 11/25/2024 |  |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 530805399 |  |  |  | 33295111 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a non warrantable condo which is ineligible per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points.<br>Miscellaneous<br>Miscellaneous | Low default risk with substantial equity, LTV at least [Redacted]% lower than matrix.<br>Excellent credit management with FICO [Redacted]+<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-27): Lender exception with compensating factors. |  |  | 07/10/2025 | 2 B |  | HI | Investment | Purchase | B A |  | N/A | No |
|  | 530805399 |  |  |  | 33411504 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is a condo, condo rider in file. 1004 appraisal used for condo instead of form 1073. | 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]%. | Low default risk with substantial equity, LTV at least [Redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-19): Regraded and waived<br>Reviewer Comment (2025-05-19): Re grade and wive with comp factors |  |  | 05/19/2025 | 2 B |  | HI | Investment | Purchase | B A |  | N/A | No |
|  | 516134120 |  |  |  | 33295115 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-10-03): Insurance coverage is sufficient to cover loan amount. Exception cleared.<br>Buyer Comment (2024-10-01): Please see image [Redacted]from initial file, dwelling coverage reflects $[Redacted]and covers loan amount of $[Redacted]. In addition, coverage includes $[Redacted]rent loss coverage. | 10/03/2024 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 516134120 |  |  |  | 33295116 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business Purpose Certification is not complete. The box is not initialed to designate if the property will or will not be occupied by the borrower or a family member. |  |  |  | Reviewer Comment (2024-10-28): Documents received, exception cleared.<br>Buyer Comment (2024-10-24): Business purpose disclosure initialed uploaded. | 10/28/2024 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 599444590 |  |  |  | 33295117 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Account Number [Redacted] has less than 2 months of reported transactions. Additional statement is required. |  |  |  | Reviewer Comment (2024-11-04): Two months bank statements provided. Exception cleared.<br>Buyer Comment (2024-11-01): Two months bank statements uploaded.<br>Buyer Comment (2024-11-01): [Redacted] acct #[Redacted]balance $[Redacted]plus sourced $[Redacted]EMD already taken out of this account = $[Redacted]. CTC = $[Redacted](including EMD). Reserves = $[Redacted]exceeds [Redacted] months guideline requirement. Additional account is not required.<br>Reviewer Comment (2024-10-25): Cash from borrower is $[Redacted] + Reserve requirement is $[Redacted]. Total requirement is $[Redacted]. Verified assets including account #[Redacted]and POC is $[Redacted]. Provide one more month statement for account #[Redacted]to meet the requirement. Exception remains.<br>Buyer Comment (2024-10-24): Revised 1003 removing account. Verified assets per transaction history [Redacted][Redacted] #[Redacted]$[Redacted], CTC $[Redacted]= $[Redacted]([Redacted]) months. Additionally uploading appraisal invoice reflecting POC paid by cc. If you are unable to clear unsigned revised 1003, please escalate to [Redacted]/[Redacted]. | 11/04/2024 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
|  | 599444590 |  |  |  | 33295119 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require rent loss insurance to be at least 6 months gross monthly rent. The HOI policy include rent loss insurance but did not specify a dollar amount or months of coverage. |  |  |  | Reviewer Comment (2024-10-11): Verification of rent loss provided, exception cleared.<br>Buyer Comment (2024-10-08): Policy reflecting rent loss insurance uploaded. | 10/11/2024 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
|  | 593594826 |  |  |  | 33295144 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Lender requested exception to waive the requirement for a 2nd appraisal (Guidelines require 2 appraisals for seller flipped properties transferred within [Redacted] days & increase in value of [Redacted]% or more[Redacted]. |  |  |  | Reviewer Comment (2024-11-11): Property acquired per title [Redacted]> [Redacted]days from contract date, exception cleared.<br>Buyer Comment (2024-11-04): There was a miscommunication or misunderstanding with the first Non-Agency Loan Approval Summary because we submitted an incorrect Loan Approval. The initial Loan Approval included an exception that later on was canceled since the sale date of the property used the actual sale date and not the date the property was recorded. Please see the screenshot and a new Loan Approval attached.<br>Reviewer Comment (2024-10-24): Not a valid comp factor as the Borrower currently rents and owns no other properties per Fraud Report. Prior Homeownership Experience (No FC or SS) is not a valid CF.<br>Buyer Comment (2024-10-22): Please see Fraud report attached. The FC process is not for our borrower is referring to the subject property which was purchased at action in [Redacted] [Redacted]. The Comp Factor is a valid one since is not applied to our borrower<br>Reviewer Comment (2024-10-17): Invalid Comp Factors, see prior comment.<br>Buyer Comment (2024-10-09): Please see the Loan Approval attached. file was approved for for an exception to waive the requirement for a [Redacted] appraisal<br>Reviewer Comment (2024-10-04): Borrower currently rents and owns no other properties per Fraud Report. Prior Homeownership Experience (No FC or SS) is not a valid CF. | 11/11/2024 |  |  | 1 D A |  | PA | Investment | Purchase | D A |  | N/A | No |
|  | 588522167 |  |  |  | 33295169 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The verification of rent for the Borrower's primary residence reflects the landlord as an individual which requires [Redacted] months cancelled checks/bank statements per guidelines. The loan file is missing cancelled checks or bank statements to verify rental payments. |  |  |  | Reviewer Comment (2024-10-25): VOR in file.<br>Buyer Comment (2024-10-22): Could you kindly escalate this discrepancy to your team lead or Spv? the page # [Redacted]is referring to a VOR and VOM. The first part is related to VOR which stated that we only required cxl checks or bank statements if the bwr is making rental pymts to an interest party but if is to an individual that does not have any interest then we don't need cxl checks and/or bank statements to show VOR. the second part part it is referring to VOM which is referring to an individual and/or private party but is related to a VOM. Thank you<br>Reviewer Comment (2024-10-21): Guidelines pg [Redacted]state: [Redacted] months of cancelled checks or bank statements must be obtained<br> when:<br> · the borrower is making rental payments to an interested party, or<br> · the borrower is making mortgage payments to an individual or an<br> interested party.<br>Buyer Comment (2024-10-15): Could you please review this exception one more time? per guidelines, we only need [Redacted]months of canceled checks when the borrower is making rental payments or mortgage payments to an interested party. Please see the attached documents that include VOR, LOE letter explaining that XXX has not relationship with the borrower and guidelines. | 10/25/2024 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
|  | 588167657 |  |  |  | 33295170 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The loan file did not contain the Initial and/or the Final Business Purpose Affidavits. |  |  |  | Reviewer Comment (2024-10-11): Document provided , Exception cleared<br>Buyer Comment (2024-10-09): Initial and final business purpose disclosure uploaded. | 10/11/2024 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 588167657 |  |  |  | 33295171 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | The borrower does not meet the minimum tradeline requirement. Guidelines required a minimum of [Redacted] rated for [Redacted] months or [Redacted] for [Redacted]. Borrower has a VOR rated for [Redacted] and revolving account for [Redacted],and [Redacted] month. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Debt Service Coverage Ratio (DSCR) 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]%. | Low default risk with equity, LTV [Redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 588167657 |  |  |  | 33295174 |  | 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 (2024-10-23): Letter of explanation and verification of deposit provided for closure of account #[Redacted]and opening of new account #[Redacted], reserves requirement of PITIA [Redacted]months met. Exception cleared.<br>Buyer Comment (2024-10-22): Evidence funds from acct #[Redacted]deposited into acct #[Redacted]and #[Redacted]with a balance of $[Redacted]. Account #[Redacted]opened [Redacted] and proof attached. No account history as the acct was recently opened.<br>Reviewer Comment (2024-10-11): Account [Redacted]was closed due to fraudulent and [Redacted]was opened in place , As per letter we cant not use and for account [Redacted]don't have transaction history . Exception remains .<br>Buyer Comment (2024-10-09): Please note, [Redacted] account ending #[Redacted]with verified assets of $[Redacted]. CTC $[Redacted]. Reserves $[Redacted]. [Redacted] months reserves. | 10/23/2024 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 577357918 |  |  |  | 33295178 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has mortgage lates ([Redacted]) within the last [Redacted] months that exceeds guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 577357918 |  |  |  | 33295180 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower exceeds [Redacted]+ financed properties with lender which exceeds guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-04): Lender exception with compensating factors. |  |  | 10/04/2024 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 577357918 |  |  |  | 33295181 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-11-11): Post disaster inspection report provided, exception cleared.<br>Buyer Comment (2024-11-05): Disaster reinspection uploaded. | 11/11/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 594775534 |  |  |  | 33295185 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | A copy of the Borrower's permanent resident alien card is missing from the loan file. |  |  |  | Reviewer Comment (2024-10-11): Permanent resident alien card provided. Exception cleared.<br>Buyer Comment (2024-10-09): ID and permanent resident alien card uploaded. | 10/11/2024 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 594775534 |  |  |  | 33295186 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The loan file is missing a consecutive month's bank statement (guidelines require two months statements) for account ending [Redacted] used for closing and reserves. |  |  |  | Reviewer Comment (2025-02-28): Additional month's statement provided, exception cleared.<br>Buyer Comment (2025-02-21): [Redacted]months consecutive bank stmts from [Redacted] [Redacted]. acct-[Redacted][Redacted]). See withdrawal from acct-[Redacted]to source funds of $[Redacted]+Interest pymt of $[Redacted]into this new acct opened. The other $[Redacted]remaining from closed acct-[Redacted]was transferred into acct-[Redacted]on [Redacted], [Redacted] Additional month bank stmt from [Redacted] [Redacted]. acct-[Redacted]([Redacted]), [Redacted] Additional month bank stmt from [Redacted] [Redacted]. acct-[Redacted]([Redacted]) to source the funds/large deposit of $[Redacted]to open new acct-[Redacted]on [Redacted] and the source of the funds transferred into acct-[Redacted]for $[Redacted] on [Redacted] (entire account balance was transferred/deposited into [Redacted] other accounts).<br>Reviewer Comment (2024-10-23): Required letter of explanation or additional document to verified the funds is transferred from acct [Redacted]to new acct [Redacted]. Exception Remains.<br>Buyer Comment (2024-10-22): Please reference guidelines that require LOE for transferred funds into a new account. Verification the account was closed and transferred to accounts that have been verified.<br>Reviewer Comment (2024-10-11): Please provide letter of explanation for acct [Redacted] transferred funds into a new acct [Redacted]. Exception remains.<br>Buyer Comment (2024-10-09): Please see notes on [Redacted]image [Redacted], borrower had a joint account #[Redacted]transferred funds into a new acct #[Redacted]. There is only [Redacted] bank statement available. | 02/28/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 539047487 |  |  |  | 33295188 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-10-18): CDA provided exception cleared.<br>Buyer Comment (2024-10-16): Please see CDA report attached | 10/18/2024 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 539047487 |  |  |  | 33295190 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The fraud report reflects a $[Redacted] mortgage for the borrower's primary residence that the loan file does not document a payment history for. |  |  |  | Reviewer Comment (2024-11-11): Exception cleared.<br>Buyer Comment (2024-11-01): Please see the Full credit report and a soft report showing that our borrower is not responsible for a loan for the amount listed on the fraud report.<br>Reviewer Comment (2024-10-28): Deed reflects Borrower having ownership in the property but does not provide who is responsible for the lien.<br>Buyer Comment (2024-10-23): There isn't really a red flag in regards to this property and public records show both as owners, please see warranty Deed attached showing our borrower as joint tenant.<br>Reviewer Comment (2024-10-23): Please provide property report reflecting XXX as the only note holder.<br>Buyer Comment (2024-10-18): The Mortgage does not appear on the credit report as she is not obligated to the note, she may be on the DOT only and who is responsible is XXX. Please see the Credit report and soft report indicating that she never engaged in a mortgage loan with XXX. | 11/11/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 500277473 |  |  |  | 33295192 |  | 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 ___. | Borrowers LTV is [Redacted]% and maximum Guidelines are [Redacted]% for a First Time Investor with a DSCR <[Redacted]. The compensating factors are substantial cash reserves, homeownership experience and excellent credit management with a FICO [Redacted]+. \*\*\*\*Update [Redacted] - Borrowers LTV is [Redacted]% and maximum Guidelines are [Redacted]% for a First Time Investor with a DSCR <[Redacted]. The compensating factors are substantial cash reserves, and excellent credit management with a FICO [Redacted]+. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [Redacted]+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-24): Lender exception with compensating factors.<br>Buyer Comment (2024-10-22): Please see an update Non Agency Loan Approval Summary attached showing corrections on Comp Factors.<br>Reviewer Comment (2024-10-22): Still need revised lender approval / exception. One of the comp factors is "Prior homeownership Experience (No FC or SS)" but the borrower has not owned a home per final 1003 application. Exception can be cleared once that comp factor is removed.<br>Buyer Comment (2024-10-16): Please see Non-Agency Loan approval Summary attached showing that file was approved for a UW exception for going over [Redacted]% LTV<br>Reviewer Comment (2024-10-14): Borrower has not owned a home. Please remove Prior Homeownership CF. |  |  | 10/24/2024 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 500277473 |  |  |  | 33295193 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Borrowers LTV is [Redacted]% and maximum Guidelines are [Redacted]% for a First Time Investor with a DSCR <[Redacted]. The compensating factors are substantial cash reserves, homeownership experience and excellent credit management with a FICO [Redacted]+. \*\*\*\*Update [Redacted] - Borrowers LTV is [Redacted]% and maximum Guidelines are [Redacted]% for a First Time Investor with a DSCR <[Redacted]. The compensating factors are substantial cash reserves, and excellent credit management with a FICO [Redacted]+. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [Redacted]+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-24): Lender exception with compensating factors.<br>Buyer Comment (2024-10-22): Please see an update Non Agency Loan Approval Summary attached showing corrections on Comp Factors.<br>Reviewer Comment (2024-10-22): Still need revised lender approval / exception. One of the comp factors is "Prior homeownership Experience (No FC or SS)" but the borrower has not owned a home per final 1003 application. Exception can be cleared once that comp factor is removed.<br>Buyer Comment (2024-10-16): Please see Non-Agency Loan approval Summary attached showing that file was approved for a UW exception for going over [Redacted]% LTV<br>Reviewer Comment (2024-10-14): Borrower has not owned a home. Please remove Prior Homeownership CF. |  |  | 10/24/2024 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 558045095 |  |  |  | 33295194 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The Subject Property is a Non-warrantable condo, which is ineligible per the Guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-23): Lender exception with compensating factors.<br>Buyer Comment (2024-10-17): UPE approved PTC by [Redacted] uploaded. |  |  | 10/23/2024 | 2 C B |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295195 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-10-21): CU score is received, Exception cleared.<br>Buyer Comment (2024-10-17): Appraisal Review CU uploaded. | 10/21/2024 |  |  | 1 D A |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295197 |  | 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 ___. | A First Time Investor with a DSCR<[Redacted] has a maximum LTV of [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-23): Lender exception with compensating factors.<br>Buyer Comment (2024-10-17): UPE approved PTC by [Redacted] uploaded. |  |  | 10/23/2024 | 2 C B |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295198 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | A First Time Investor with a DSCR<[Redacted] has a maximum LTV of [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-23): Lender exception with compensating factors.<br>Buyer Comment (2024-10-17): UPE approved PTC by [Redacted] uploaded. |  |  | 10/23/2024 | 2 C B |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295200 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift amount that was received at closing is not the same amount listed on the gift letter in file. |  |  |  | Reviewer Comment (2024-12-17): Closing disclosure provided reflecting gift funds in the amount of $[Redacted], exception cleared.<br>Buyer Comment (2024-12-17): Re-uploading CD reflecting $[Redacted]gift funds deposited ono page[Redacted] and CTC $[Redacted].<br>Reviewer Comment (2024-12-16): Provided CD gift funds reflecting [Redacted] and Deposited funds to close $[Redacted]on Page [Redacted]. Exception remains.<br>Buyer Comment (2024-12-11): Please see pg [Redacted]reflecting gift funds.<br>Reviewer Comment (2024-12-11): Provided CD gift funds reflecting zero. Exception remains.<br>Buyer Comment (2024-12-10): CD reflecting gift funds uploaded.<br>Reviewer Comment (2024-12-04): Provide CD that reflects the receipt of the $[Redacted]. CD in file only shows $[Redacted].<br>Buyer Comment (2024-11-25): Please note, the full gift amount of $[Redacted]was received into escrow and matches the letter. Any additional funds returned to borrower still consists of a gift received by the borrower.<br>Reviewer Comment (2024-11-05): Require gift letter with amount $[Redacted]as per closing . Exception remains<br>Buyer Comment (2024-11-01): Evidence $[Redacted]gift wired into escrow matching the gift letter uploaded. | 12/17/2024 |  |  | 1 C A |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295201 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Gift on CD is $[Redacted] +CTC of $[Redacted]+$[Redacted] POC = $[Redacted] FTC. Borrower has gift of $[Redacted]. IRA funds do not show proof of liquidation, resulting in borrower having insufficient funds to close. |  |  |  | Reviewer Comment (2025-02-11): Completed asset documentation received. 1003 update provided. Sufficient funds.<br>Reviewer Comment (2025-02-11): 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>Buyer Comment (2025-02-11): Revised 1003 uploaded.<br>Reviewer Comment (2025-02-11): Accounts [Redacted]and [Redacted]are not listed on the 1003 and not applied to the transaction. Please send updated 1003 and email when it is sent.<br>Buyer Comment (2025-01-31): Please see attached asset and cash to close breakdown. There is no additional gift letter, gift letter of $[Redacted]was included in the initial file.<br>Reviewer Comment (2025-01-25): Provide source of funds, gift letter, and evidence of deposit for the $[Redacted]gift missing from the loan file. Without gift documentation, borrower does not have sufficient funds to close.<br>Buyer Comment (2025-01-13): CD uploaded reflecting wire back to the borrower.<br>Reviewer Comment (2025-01-07): Provide CD which shows the borrower receiving the cash back. Unable to use the Wire to verify funds to close. Verification of how the title company determined funds should be sent back to the borrower is required. [Redacted] CD reflects the borrower needing $[Redacted] at closing. If borrower received funds back at closing, they may need to be applied back to the purchase price and then the LTV reevaluated based on documentation received.<br>Buyer Comment (2024-12-18): Documentation uploaded reflects $[Redacted]sent back from settlement agent to borrower.<br>Reviewer Comment (2024-12-17): CTC + $[Redacted]+ POCs $[Redacted]+ [Redacted]gift funds= $[Redacted]. IRA does not show proof of liquidation and overage returned to borrower not reflected in upload.<br>Buyer Comment (2024-12-10): Overage cash to close returned to borrower uploaded.<br>Reviewer Comment (2024-12-04): Settlement statement reflecting funds back to the borrower is missing from the loan file. Please provide. Additional items may be required once documentation is evaluated.<br>Buyer Comment (2024-11-25): Please see overage wire sent back to borrower. Final SS in file is what was used to close, with wire documentation provided, this should be sufficient to clear the exception.<br>Reviewer Comment (2024-11-11): Please provide updated closing statement reflecting funds back to borrower.<br>Buyer Comment (2024-11-01): Evidence $[Redacted]sourced wire into escrow and return wire. | 02/11/2025 |  |  | 1 A |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295202 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide source of funds for the $[Redacted] gift missing from the loan file. |  |  |  | Reviewer Comment (2025-02-11): $[Redacted]removed from loan assets.<br>Buyer Comment (2025-02-11): Revised 1003 uploaded.<br>Reviewer Comment (2025-02-11): Accounts [Redacted]and [Redacted]are not listed on the 1003 and not applied to the transaction. Please send updated 1003 and email when it is sent.<br>Buyer Comment (2025-01-31): Please see attached asset and cash to close breakdown. There is no additional gift letter, gift letter of $[Redacted] was included in the initial file. | 02/11/2025 |  |  | 1 A |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295203 |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  |  |  |  |  | Reviewer Comment (2025-02-11): $[Redacted]removed from loan assets.<br>Buyer Comment (2025-02-11): Revised 1003 uploaded.<br>Reviewer Comment (2025-02-11): Accounts [Redacted]and [Redacted]are not listed on the 1003 and not applied to the transaction. Please send updated 1003 and email when it is sent. Additional documentation may be required once the asset documentation is provided.<br>Buyer Comment (2025-01-31): Please see attached asset and cash to close breakdown. There is no additional gift letter, gift letter of $[Redacted]was included in the initial file. | 02/11/2025 |  |  | 1 A |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 558045095 |  |  |  | 33295204 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing letter for $[Redacted] gift on [Redacted] CD. |  |  |  | Reviewer Comment (2025-02-11): $[Redacted]removed from loan assets.<br>Buyer Comment (2025-02-11): Revised 1003 uploaded.<br>Reviewer Comment (2025-02-11): Accounts [Redacted]and [Redacted]are not listed on the 1003 and not applied to the transaction. Please send updated 1003 and email when it is sent. Additional documentation may be required once the asset documentation is provided.<br>Buyer Comment (2025-01-31): Please see attached asset and cash to close breakdown. There is no additional gift letter, gift letter of $[Redacted]was included in the initial file. | 02/11/2025 |  |  | 1 A |  | FL | Investment | Purchase | D B C A |  | N/A | No |
|  | 539487858 |  |  |  | 33295218 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a rural property. | The Debt Service Coverage Ratio (DSCR) 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.<br>Miscellaneous | DSCR >[Redacted]<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO [Redacted]+.<br>Prior home ownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender exception with compensating factors. |  |  | 10/25/2024 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 539487858 |  |  |  | 33295219 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for acreage exceeding the guideline maximum of [Redacted] acres. | The Debt Service Coverage Ratio (DSCR) 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.<br>Miscellaneous | DSCR >[Redacted]<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO [Redacted]+.<br>Prior home ownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender exception with compensating factors. |  |  | 10/25/2024 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 580399472 |  |  |  | 33295221 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard insurance policy has zip code as [Redacted]-[Redacted] and Note has [Redacted] |  |  |  | Reviewer Comment (2024-11-05): Updated insurance document with correct address is received. Exception cleared.<br>Buyer Comment (2024-11-01): Please see updated HOI Policy attached showing corrections on Zip Code. | 11/05/2024 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 516393751 |  |  |  | 33295223 |  | 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: [Redacted]<br> Disaster Declaration Date: [Redacted] |  |  |  | Reviewer Comment (2024-11-13): Received BPO Inspection report. Exception cleared.<br>Buyer Comment (2024-11-12): Please see Re-inspection Report attached. | 11/13/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 516393751 |  |  |  | 33295224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Living Rent Free Letter is missing from the loan file. |  |  |  | Reviewer Comment (2024-12-19): Received Living Rent Free Letter. Exception Cleared.<br>Buyer Comment (2024-12-17): Please see rent free letter attached. | 12/19/2024 |  |  | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 516393751 |  |  |  | 33295225 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Evidence the Borrower's Spouse owns the primary residence. |  |  |  | Reviewer Comment (2024-12-03): Property history report provided, exception cleared.<br>Buyer Comment (2024-11-21): Please see RealQuest attached showing that primary property is under his [Redacted]name. | 12/03/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 588692859 |  |  |  | 33295229 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement for the Borrowing Entity is missing from the loan file. |  |  |  | Reviewer Comment (2024-11-18): Received annual report dated [Redacted] tax year filing includes interest ownership in business, business ID name, address and borrower name as member. Exception Cleared.<br>Buyer Comment (2024-11-15): Please review documents uploaded, annual report dated [Redacted]tax year filing includes interest ownership in business, business ID name is the borrowing entity [Redacted], address and borrower name as member. Operating agreement not required if supporting documentation is provided including ownership int in business as requested. Articles of organization were also uploaded<br>Reviewer Comment (2024-11-13): Provided document is amended annual report of limited liability company. Require Operating Agreement for the Borrowing Entity. Exception Remains.<br>Buyer Comment (2024-11-13): business interest uploaded<br>Buyer Comment (2024-11-08): Articles of Organization located [Redacted]in loan file package state these articles shall be deemed the operating agreement. Please see page [Redacted] of executed document. Requesting condition waived | 11/18/2024 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
|  | 588692859 |  |  |  | 33295230 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution is missing from the loan file. |  |  |  | Reviewer Comment (2024-11-13): Corporate Resolution is not required. Exception Cleared.<br>Buyer Comment (2024-11-08): [Redacted] does not require an LLC to file corporate resolution. Articles of Organization confirm the LLC is member-managed and the only member to the LLC is our borrower, [Redacted]. Please review the articles of organization to see if this is sufficient to waive the condition. | 11/13/2024 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
|  | 533530800 |  |  |  | 33295235 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose certification. |  |  |  | Reviewer Comment (2024-11-22): Business cert provided, exception cleared.<br>Buyer Comment (2024-11-12): initial business purpose affidavit uploaded | 11/22/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
|  | 564939144 |  |  |  | 33295238 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is living rent free. Per guidelines documentation must be provided to support the borrower occupies the spouse's residence and the mortgage or rent rating on the primary residence complies with Mortgage and Rental Payment Verification. |  |  |  | Reviewer Comment (2024-11-27): Electric bill provided, exception cleared.<br>Buyer Comment (2024-11-15): Evidence of borrower's residency | 11/27/2024 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 544810776 |  |  |  | 33295240 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | UCDP =<[Redacted] or CDA required. |  |  |  | Reviewer Comment (2025-02-17): CDA received and associated. Exception cleared.<br>Buyer Comment (2025-02-14): CDA uploaded.<br>Reviewer Comment (2025-02-11): [Redacted] upload has no score. [Redacted] upload is not for the subject property. There are no other UCDP uploads. Unable to clear. Email when uploaded.<br>Buyer Comment (2025-01-31): Please see page [Redacted]of upload, it states CU score is [Redacted]<br>Reviewer Comment (2025-01-31): As per the latest UCDP report dated [Redacted] CU score is not available. Require latest UCDP report with CU score =< [Redacted]or CDA. Exception Remains.<br>Buyer Comment (2025-01-29): Appraisal review CU uploaded. | 02/17/2025 |  |  | 1 A |  | MN | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
|  | 530453062 |  |  |  | 33295241 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing. |  |  |  | Reviewer Comment (2024-11-18): Received annual report dated [Redacted]tax year filing includes interest ownership in business, business ID name, address and borrower name as member. Exception Cleared.<br>Buyer Comment (2024-11-15): Please review documents uploaded, annual report dated [Redacted]tax year filing includes interest ownership in business, business ID name, address and borrower name as member. Operating agreement not required if supporting documentation is provided including ownership int in business as requested. Articles of organization were also uploaded<br>Reviewer Comment (2024-11-14): Provided document is not Operating Agreement. Exception remains<br>Buyer Comment (2024-11-13): business interest uploaded<br>Reviewer Comment (2024-11-12): Operating agreement is required to verify the ownership % of the borrower. Exception remains.<br>Buyer Comment (2024-11-08): Articles of Organization located [Redacted]in loan file package state these articles shall be deemed the operating agreement. Please see page[Redacted] of executed document. Requesting condition waived | 11/18/2024 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
|  | 530453062 |  |  |  | 33295243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The initial business purpose certification is missing from the loan file. |  |  |  | Reviewer Comment (2024-11-25): Disclosure provided, exception cleared.<br>Buyer Comment (2024-11-12): Initial business purpose disclosure uploaded | 11/25/2024 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
|  | 577186037 |  |  |  | 33295246 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial Business Purpose Certificate was not provided. |  |  |  | Reviewer Comment (2024-11-13): Initial Business Purpose Certificate provided. Exception cleared.<br>Buyer Comment (2024-11-12): Initial business purpose disc uploaded | 11/13/2024 |  |  | 1 C A D |  | OK | Investment | Purchase | D A |  | N/A | No |
|  | 560910014 |  |  |  | 33295250 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final Fully Executed Loan Application not provided. |  |  |  | Reviewer Comment (2024-12-04): Received final 1003. Exception cleared.<br>Buyer Comment (2024-12-03): Final 1003 uploaded.<br>Reviewer Comment (2024-11-25): [Redacted]1003 document is reflecting signed date as "[Redacted]" however Note date is [Redacted]. Please provided 1003 document signed on closing date. Exception Remains.<br>Buyer Comment (2024-11-20): Please refer to image [Redacted], fully executed final 1003. | 12/04/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 560910014 |  |  |  | 33295251 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Net Tangible Benefit Worksheet not provided. |  |  |  | Reviewer Comment (2024-11-25): Loan Approval Summary document is reflecting as "Refinance Net Tangible Benefit Summary" and Same document is associated. Exception Cleared.<br>Buyer Comment (2024-11-20): Please see image [Redacted], page[Redacted] reflecting Refinance Net Tangible Benefit summary. | 11/25/2024 |  |  | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 560910014 |  |  |  | 33295252 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2024-12-04): Initial package had provided hazard insurance [Redacted]% coverage amount for shortfall. Exception cleared.<br>Buyer Comment (2024-12-03): Checklist of Coverage uploaded as subject is located in [Redacted]and [Redacted] is not allowed to be requested in the state of [Redacted]. | 12/04/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 541051211 |  |  |  | 33295258 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There are flags on the Fraud Report that remain open. |  |  |  | Reviewer Comment (2024-12-02): Alerts cleared, exception cleared.<br>Buyer Comment (2024-11-20): FG with all red flags cleared uploaded. | 12/02/2024 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 557323646 |  |  |  | 33295260 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved exception for Non-Warrantable Condo (Guidelines require project approval on all Condos). Compensating Factors: Excellent Credit Management with FICO [Redacted]+ and Conservative use of credit or minimal use of revolving credit. | 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>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-18): Lender Exception with Compensating Factors. |  |  | 11/18/2024 | 2 B |  | CT | Investment | Purchase | B A |  | N/A | No |
|  | 557323646 |  |  |  | 33295261 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for LTV to [Redacted]% (Max LTV per guidelines for First Time Investor with DSCR < [Redacted]). Compensating Factors: Excellent Credit Management with FICO [Redacted]+ and Conservative use of credit or minimal use of revolving credit. | 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>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-18): Lender Exception with Compensating Factors. |  |  | 11/18/2024 | 2 B |  | CT | Investment | Purchase | B A |  | N/A | No |
|  | 557323646 |  |  |  | 33295262 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved exception for CLTV to [Redacted]% (Max CLTV per guidelines for First Time Investor with DSCR < [Redacted]). Compensating Factors: Excellent Credit Management with FICO [Redacted]+ and Conservative use of credit or minimal use of revolving credit. | 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>Miscellaneous | Excellent Credit Management with FICO [Redacted]+<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-18): Lender Exception with Compensating Factors. |  |  | 11/18/2024 | 2 B |  | CT | Investment | Purchase | B A |  | N/A | No |
|  | 517531582 |  |  |  | 33295286 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial Business Purpose Affidavit was not provided. |  |  |  | Reviewer Comment (2024-12-06): Business Purpose certificate is received. Exception cleared.<br>Buyer Comment (2024-12-04): Please see Business Purpose & occupancy initial and final attached. | 12/06/2024 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 539700235 |  |  |  | 33295295 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a first-time investor living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Lender Exception with Compensating Factors. |  |  | 12/04/2024 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
|  | 539700235 |  |  |  | 33295296 |  | 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 ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-27): Lender Exception with Compensating Factors. |  |  | 01/27/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
|  | 539700235 |  |  |  | 33295297 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-27): Lender Exception with Compensating Factors. |  |  | 01/27/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
|  | 572770560 |  |  |  | 33295299 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | The Borrower is a first time investor and the Borrower only has two months of rental history prior to they were living rent free. | 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]. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | 12/04/2024 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
|  | 521294657 |  |  |  | 33295302 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document the Borrower's ownership in the LLC that the property was vested in at origination. |  |  |  | Reviewer Comment (2024-12-19): Borrower signed Warranty deed as Member to transfer title into personal name at close.<br>Buyer Comment (2024-12-12): Not required, as the property was quit claimed back to the applicant prior to close. See attached. | 12/19/2024 |  |  | 1 C A |  | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 520333237 |  |  |  | 33295326 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects "vacant" for occupant; however, photos appear to show both units fully occupied and there are current, active leases for both units,. |  |  |  | Reviewer Comment (2025-01-26): Documents received, system cleared.<br>Buyer Comment (2025-01-17): Revised appraisal reflecting subject rented.<br>Reviewer Comment (2025-01-10): Lease agreements provided however, appraisal still reflects vacant.<br>Buyer Comment (2024-12-19): Lease agreements uploaded. | 01/26/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 556053197 |  |  |  | 33295331 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-12-23): Received final title policy document. Exception cleared. | 12/23/2024 |  |  | 1 A |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | 556053197 |  |  |  | 33295332 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-12-23): Received final title policy document. Exception cleared.<br>Buyer Comment (2024-12-18): Final policy attached. | 12/23/2024 |  |  | 1 B A |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | 556053197 |  |  |  | 33295334 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for LTV to [Redacted]%. | 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. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-05): CF Update.<br>Reviewer Comment (2024-12-11): Lender Exception with Compensating Factors provided. |  |  | 12/11/2024 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | 556053197 |  |  |  | 33295335 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of fund for Gift. Loan file contains gift, but no evidence of transfer. |  |  |  | Reviewer Comment (2025-01-14): Gift fund is directly paid to title at the close of escrow. Gift fund amount not utilized as the funds to close the transaction. Exception cleared.<br>Buyer Comment (2025-01-09): Based on documentation and information available as of this writing, it appears the gift was not used to contribute to the funds to close this transaction. [Redacted]has removed the gift and still shows[Redacted] months' reserves. Please update assets to match. | 01/14/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | 556053197 |  |  |  | 33295336 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception allowing borrower living rent free and first time investor. Rent free letter in file and borrower FICO exceeds minimum of [Redacted]. | 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. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-05): CF Update.<br>Reviewer Comment (2024-12-11): Lender Exception with Compensating Factors provided. |  |  | 12/11/2024 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | 556053197 |  |  |  | 33295338 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender exception missing for CLTV to [Redacted]%. | 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. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-05): CF Update.<br>Reviewer Comment (2025-01-04): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-12-18): Attached approval including CLTV exception. |  |  | 03/05/2025 | 2 C B |  | CA | Investment | Purchase | C B A |  | N/A | No |
|  | 555659754 |  |  |  | 33295349 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial Business Purpose & Occupancy Affidavit unsigned missing in the file. |  |  |  | Reviewer Comment (2024-12-18): Located on Disclosure Summary | 12/18/2024 |  |  | 1 C A D |  | IL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 599653057 |  |  |  | 33295360 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved exception for the subject property identified as a Non-Warrantable Condo. The compensating factors are substantial cash reserves, FICO over [Redacted], prior homeownership experience and low default risk due to LTV being [Redacted]% lower than matrix. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-19): Lender Exception with Compensating Factors. |  |  | 12/19/2024 | 2 B |  | SC | Investment | Purchase | B A |  | N/A | No |
|  | 522088053 |  |  |  | 33295371 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The loan file does not document [Redacted] days of sourced/seasoned funds for account ending in [Redacted] as required by guidelines. |  |  |  | Reviewer Comment (2025-01-13): Received additional[Redacted] month bank statement. Verified and updated detail. Exception Cleared.<br>Buyer Comment (2025-01-08): Additional bank statement uploaded.<br>Reviewer Comment (2025-01-02): Required letter of explanation for account -[Redacted]stating new account opened on [Redacted]. Exception remains.<br>Buyer Comment (2024-12-30): Please note, acct referenced is a new account opened on [Redacted] and the source of funds is from the HELOC draw. | 01/13/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
|  | 522088053 |  |  |  | 33295372 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The loan file does not document the borrower's ownership percentage in the entity that business funds were used for closing/reserves. Documentation provided only reflects the Borrower as a registered agent. |  |  |  | Reviewer Comment (2025-01-23): Received Employer Identification Number document. Exception cleared.<br>Buyer Comment (2025-01-21): Documentation reflecting borrower is sole member of business.<br>Reviewer Comment (2025-01-07): In article of organization does not specify the ownership percentage for the borrower in Cousin's [Redacted]. However, required document to verify the ownership percentage. Exception Remains<br>Buyer Comment (2025-01-06): Articles of Organization uploaded. | 01/23/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
|  | 518698818 |  |  |  | 33295379 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower has owned the subject property for at least [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>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>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: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2024-12-20): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 12/20/2024 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 502957932 |  |  |  | 33295396 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | 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: [Redacted] | SitusAMC,Originator | Reviewer Comment (2025-01-08): Post disaster, pre-end date inspection in file. |  |  | 01/08/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 575767163 |  |  |  | 33295397 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | File is missing rent loss insurance covering a minimum of 6 months rent for the subject property as required by guidelines. |  |  |  | Reviewer Comment (2025-01-23): Rent loss coverage provided, exception cleared.<br>Buyer Comment (2025-01-13): Proof of rent loss insurance uploaded. | 01/23/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 575767163 |  |  |  | 33295398 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $[Redacted]. | Borrower has owned the subject property for at least [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>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>DSCR >[Redacted].<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-08): Lender exception with compensating factors. |  |  | 01/08/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 575767163 |  |  |  | 33295400 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Guidelines require an Initial Occupancy and business purpose disclosure and states this is for informational purposes only. Exception is an EV2 and can be elected to waive. |  |  |  | Buyer Comment (2025-02-07): accept |  |  | 02/07/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 536059974 |  |  |  | 33295402 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of Funds and Deposit for the Gift is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-31): Wired proof provided for Gift fund. Exception cleared.<br>Buyer Comment (2025-01-29): Proof gift funds were wired directly into escrow uploaded. | 01/31/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
|  | 536059974 |  |  |  | 33295403 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower's primary residence not being superior to the subject property. The Guidelines require the Borrower's primary residence to be superior when purchasing a Single family residence. The compensating factors are the FICO Score over [Redacted] and conservative use of credit. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit.<br>Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors provided. |  |  | 01/08/2025 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
|  | 536059974 |  |  |  | 33295404 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the Borrower having unverifiable housing history to cover [Redacted] months as required within the Guidelines. The compensating factors are the FICO Score over [Redacted] and conservative use of credit. | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit.<br>Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors provided. |  |  | 01/08/2025 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
|  | 536059974 |  |  |  | 33295405 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | The Borrower is a First Time Homebuyer and Investor. |  |  |  | Reviewer Comment (2025-01-23): Within guidelines.<br>Buyer Comment (2025-01-14): Please note, LTV is at [Redacted]% and borrower is a First Time Investor with a FICO of [Redacted]. | 01/23/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
|  | 536059974 |  |  |  | 33295406 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gift letter missing Donor's signature on signature line. |  |  |  | Reviewer Comment (2025-02-17): Gift letter with signature provided, exception cleared.<br>Buyer Comment (2025-02-04): Gift letter uploaded. | 02/17/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
|  | 530671011 |  |  |  | 33295412 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The Guidelines state that the Closing Protection Letter must be dated within [Redacted] days from Note. The CPL is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-17): Closing Protection Letter is not require for NY state. Exception Cleared.<br>Buyer Comment (2025-01-14): Could you please review this exception one more time? for the NY title insurance companies are not permitted to issue a CPL. Please see attached screenshot. | 01/17/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 547942153 |  |  |  | 33295424 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial Business Purpose Certificate not provided. |  |  |  | Reviewer Comment (2025-01-22): The initial Business Purpose & Occupancy Affidavit for information purpose only provided and associated. Exception cleared.<br>Buyer Comment (2025-01-16): Initial business purpose disclosure uploaded. | 01/22/2025 |  |  | 1 C A D |  | PA | Investment | Purchase | D A |  | N/A | No |
|  | 533318426 |  |  |  | 33295427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Twelve months evidence of Primary Rents payable to Private Party or Individual. There is a Letter from the landlord on Rents received. However, evidence is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-22): Provided Verification of mortgage and LOE of rent payment reflects evidence of Primary Rents from [Redacted] to current and rent $[Redacted]\* [Redacted]month = $[Redacted]verified from bank statement. Exception cleared.<br>Buyer Comment (2025-01-17): Please see proof of rent attached. Per LOE from bwr she is paying the rent in advance for the next [Redacted] months also see bank statement for the withdrawals made on [Redacted] | 01/22/2025 |  |  | 1 C A D |  | NM | Investment | Purchase | D A |  | N/A | No |
|  | 533318426 |  |  |  | 33295428 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | The Spousal Consent Form is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-17): Spousal Consent Form not required for sole and separate (not jointly) and has a previous interspousal Deed, a consent form. Exception Cleared.<br>Buyer Comment (2025-01-15): Please see warranty of Deed attached. Document states that bwr is the sole owner and separate property | 01/17/2025 |  |  | 1 C A |  | NM | Investment | Purchase | D A |  | N/A | No |
|  | 544851658 |  |  |  | 33295435 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The Gift of Equity Letter is missing from the loan file. |  |  |  | Reviewer Comment (2025-03-10): Lender wishes to accept the post close lender exception for gift letter for gift of equity.<br>Buyer Comment (2025-03-05): Please escalate for review, although the letter is dated post note, all documentation provided is dated prior to note date and references the gift of equity.<br>Reviewer Comment (2025-03-03): Provided Gift Letter is dated [Redacted] which is post note date [Redacted]. Please provide gift of equity letter which is within closing date, Exception remains.<br>Buyer Comment (2025-02-28): Please see documentation from title reflecting gift of equity included on CD and title docs prior to closing.<br>Reviewer Comment (2025-02-27): Provided Gift Letter is dated [Redacted] which is post note date [Redacted] Exception remains.<br>Buyer Comment (2025-02-25): Gift of equity letter uploaded. | 03/10/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
|  | 544851658 |  |  |  | 33295436 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Application does not say "yes" in section 5A to whether they have a family relationship with the seller. The borrower received a gift of equity from their brother in-law and his wife. |  |  |  | Reviewer Comment (2025-03-14): !003 provided reflecting information regarding relationship to seller.<br>Buyer Comment (2025-03-12): Updated 1003 uploaded. Please note, it is not required to be re-executed. | 03/14/2025 |  |  | 1 A |  | GA | Investment | Purchase | C A |  | N/A | No |
|  | 544851658 |  |  |  | 33295437 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal states no gifts are being used in this transaction and no mention of the gift of equity. The borrower received a gift and received a gift of equity. |  |  |  | Reviewer Comment (2025-03-19): Updated 1004 provided.<br>Buyer Comment (2025-03-17): Appraisal reflecting gift of equity uploaded. | 03/19/2025 |  |  | 1 A |  | GA | Investment | Purchase | C A |  | N/A | No |
|  | 544851658 |  |  |  | 33295438 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The purchase contract does not mention that the seller is giving the borrower a gift of equity, no addendum found with this information. |  |  |  | Reviewer Comment (2025-03-14): Contract provided reflecting gift of equity, exception cleared.<br>Buyer Comment (2025-03-12): Please see page [Redacted] addressing gift of equity. | 03/14/2025 |  |  | 1 A |  | GA | Investment | Purchase | C A |  | N/A | No |
|  | 545108221 |  |  |  | 33295444 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The coverage amount is not listed on the Title report. |  |  |  | Reviewer Comment (2025-01-24): Received final title policy. Exception Cleared.<br>Buyer Comment (2025-01-22): Final title policy uploaded. | 01/24/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 545108221 |  |  |  | 33295445 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-01-24): Received final title policy. Exception Cleared. | 01/24/2025 |  |  | 1 A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 545108221 |  |  |  | 33295446 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | The Spousal Consent Form is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-24): Received Warranty deeds. Exception Cleared.<br>Buyer Comment (2025-01-22): Warranty deeds uploaded. | 01/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 545108221 |  |  |  | 33295447 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | The Spousal Consent Form is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-24): Received Warranty deeds. Exception Cleared.<br>Buyer Comment (2025-01-22): Warranty deeds uploaded. | 01/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 532521318 |  |  |  | 33295453 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing within the loan file does not contain a date of when it was provided. |  |  |  | Reviewer Comment (2025-02-07): Received Certificate of Good Standing exception Cleared.<br>Buyer Comment (2025-02-05): Certificate of GS uploaded.<br>Reviewer Comment (2025-01-29): Provided document is Certificate of Filing. Certificate of Good Standing for [Redacted] is not provided. Exception remains.<br>Buyer Comment (2025-01-28): LLC documentation uploaded. Please note, EIN documentation reflects borrower is sole member, so operating agreements, articles of organization and corp resolution is not required. | 02/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 532521318 |  |  |  | 33295454 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing in the file for [Redacted] to reflect the ownership percentage of the Member. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-12): Please note, CPA letter uploaded addresses ownership of [Redacted]<br>Reviewer Comment (2025-02-12): Required operating agreement for [Redacted]. Exception Remains.<br>Buyer Comment (2025-02-10): CPA letter reflecting % of ownership uploaded.<br>Buyer Comment (2025-02-05): Please note, IRS documentation included with upload reflects borrower is sole member.<br>Reviewer Comment (2025-01-29): Operating agreement is required to confirm ownership percentage of the borrower, even if he is sole owner of business. Exception remains.<br>Buyer Comment (2025-01-28): LLC documentation uploaded. Please note, EIN documentation reflects borrower is sole member, so operating agreements, articles of organization and corp resolution is not required. | 02/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 532521318 |  |  |  | 33295455 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The Article of Organization/Formation is missing from the loan file on the Borrowing Entity. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Please note, IRS documentation included with upload reflects borrower is sole member.<br>Reviewer Comment (2025-01-29): Provided document is Certificate of Filing. Articles of Organization for [Redacted] is not provided. Exception remains.<br>Buyer Comment (2025-01-28): LLC documentation uploaded. Please note, EIN documentation reflects borrower is sole member, so operating agreements, articles of organization and corp resolution is not required. | 02/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 532521318 |  |  |  | 33295456 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution for the Borrowing Entity members is missing from the loan file. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Please note, IRS documentation included with upload reflects borrower is sole member.<br>Reviewer Comment (2025-01-29): Provided document is Certificate of Filing. Corporate resolution for [Redacted] is not provided. Exception remains.<br>Buyer Comment (2025-01-28): LLC documentation uploaded. Please note, EIN documentation reflects borrower is sole member, so operating agreements, articles of organization and corp resolution is not required. | 02/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 553966257 |  |  |  | 33295458 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The Guidelines state the Closing Protection Letter must be dated within 90 days prior to Note. The Closing Protection Letter is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-31): Closing Protection Letter not required for NY state. Exception cleared.<br>Buyer Comment (2025-01-30): This is a Third party origination a CPL is not required for us to provide. | 01/31/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 553966257 |  |  |  | 33295459 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The initial business purpose certification is not in the loan file as required by guidelines. |  |  |  | Reviewer Comment (2025-02-02): Business purpose provided, exception cleared.<br>Buyer Comment (2025-01-26): Please see Initial & final Business purpose attached. | 02/02/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 548430551 |  |  |  | 33295464 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is living rent free and is a first time investor which is ineligible per guidelines. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-01-31): Lender exception with compensating factors.<br>Buyer Comment (2025-01-22): UPE approved PTC by [Redacted] with CFs and mitigating factors uploaded.<br>Reviewer Comment (2025-01-17): Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. |  |  | 01/31/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
|  | 548430551 |  |  |  | 33295465 |  | 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 ___. | The maximum LTV for a first time investor with a FICO <[Redacted] is [Redacted]%. The subject LTV Is [Redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-01-31): Lender exception with compensating factors.<br>Buyer Comment (2025-01-22): UPE approved PTC by [Redacted] with CFs and mitigating factors uploaded.<br>Reviewer Comment (2025-01-17): Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. |  |  | 01/31/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
|  | 548430551 |  |  |  | 33295466 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The maximum LTV for a first time investor with a FICO <[Redacted] is [Redacted]%. The subject LTV Is [Redacted]%. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-01-31): Lender exception with compensating factors.<br>Buyer Comment (2025-01-22): UPE approved PTC by [Redacted] with CFs and mitigating factors uploaded.<br>Reviewer Comment (2025-01-17): Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. |  |  | 01/31/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
|  | 525806826 |  |  |  | 33295469 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title vesting is in the name of borrower's LLC. There is a quit claim deed in the file correcting/changing title; however, it is not executed. |  |  |  | Reviewer Comment (2025-02-11): Signed Deed provided.<br>Buyer Comment (2025-01-31): Quit claim deed uploaded. | 02/11/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 521786380 |  |  |  | 33295476 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for an In - House [Redacted]% LTV Exception. Borrower has the required Comp Factors from [Redacted]. Substantial Cash reserves, [Redacted] Prior Homeownership Experience (No FC or Short Sale) & [Redacted] Borrower's own funds, no Gifts or DPA. [Redacted] bps applied for the approved exception. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors. |  |  | 01/28/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 521786380 |  |  |  | 33295477 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved exception for an In - House [Redacted]% LTV Exception. Borrower has the required Comp Factors from [Redacted]. Substantial Cash reserves, [Redacted] Prior Homeownership Experience (No FC or Short Sale) & [Redacted] Borrower's own funds, no Gifts or DPA. [Redacted] bps applied for the approved exception. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors. |  |  | 01/28/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 554556432 |  |  |  | 33295479 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Fraud Report/Background Check missing from file. |  |  |  | Reviewer Comment (2025-02-03): Received Fraud report document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-01-31): Fraud guard uploaded. | 02/03/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 554556432 |  |  |  | 33295481 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report/Background Check missing from file. |  |  |  | Reviewer Comment (2025-02-03): Received Fraud report document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-01-31): Fraud guard uploaded. | 02/03/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 554556432 |  |  |  | 33295482 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report/Background Check missing from file. |  |  |  | Reviewer Comment (2025-02-03): Received Fraud report document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-01-31): Fraud guard uploaded. | 02/03/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 554556432 |  |  |  | 33295483 |  | 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 ___. | The maximum LTV for a cash out refinance with a [Redacted] credit score is [Redacted]%. Subject loan's LTV is [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-01-28): Lender exception with compensating factors. |  |  | 01/28/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 554556432 |  |  |  | 33295484 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The maximum CLTV for a cash out refinance with a [Redacted] credit score is [Redacted]%. Subject loan's CLTV is [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous | Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-01-28): Lender exception with compensating factors. |  |  | 01/28/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 545988432 |  |  |  | 33295500 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines allow a max of five financed properties and Borrower has nine that exceeds guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Prior homeownershp experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-30): Lender exception with compensating factors. |  |  | 01/30/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 545988432 |  |  |  | 33295501 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document the Borrower's ownership in the entity that the subject property was vested in at origination. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Borrower's Experience/Track Record | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Prior homeownershp experience (No FC or Short Sale).<br>Documented Investor/Landlord history > [Redacted] years | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-21): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-02-20): Lender exception does not address the fact that the property was held in title in a manner not acceptable to Guidelines.<br>Buyer Comment (2025-02-20): Post-closing uw exception for percentage of ownership in business entity at time of origination uploaded<br>Reviewer Comment (2025-02-18): Guidelines allow for properties to held in Trusts and LLCs. Guidelines do not allow for seasoning to be through a Corp/Company. Unable to clear.<br>Buyer Comment (2025-02-14): Stock certificate supporting borrower's ownership interest in business uploaded |  |  | 02/21/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 591646474 |  |  |  | 33295503 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file documents a foreclosure under [Redacted] months which is ineligible per guidelines. | 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.<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]%. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-11): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-31): UPE approved PTC by [Redacted] uploaded.<br>Reviewer Comment (2025-01-28): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 02/11/2025 | 2 C B |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 546883870 |  |  |  | 33295507 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The loan file does not document the ownership percentage of the Borrower in the entity that the property was vested in at the time of origination. | Borrower has owned the subject property for at least [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's Experience/Track Record<br>Miscellaneous | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Documented Investor/Landlord history > [Redacted] years<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-21): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-02-20): Lender exception does not address the fact that the property was held in title in a manner not acceptable to Guidelines.<br>Buyer Comment (2025-02-20): Post-closing uw exception for percentage of ownership in business entity at time of origination uploaded<br>Reviewer Comment (2025-02-18): Guidelines allow for properties to held in Trusts and LLCs. Guidelines do not allow for seasoning to be through a Corp/Company. Unable to clear.<br>Buyer Comment (2025-02-14): Stock certificate supporting borrower's ownership interest in business uploaded |  |  | 02/21/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 546883870 |  |  |  | 33295508 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] Financed Properties (Guidelines allow a max of [Redacted] financed properties for a borrower). | Borrower has owned the subject property for at least [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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's Experience/Track Record<br>Miscellaneous | Low default risk with substantial equity, LTV [Redacted]% lower than matrix.<br>Documented Investor/Landlord history > [Redacted] years<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-04-03): Lender Exception with Compensating Factors provided. |  |  | 04/03/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 504629974 |  |  |  | 33295514 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing evidence of percentage of business ownership for use of funds from [Redacted]. |  |  |  | Reviewer Comment (2025-02-18): Documentation adding Borrower to account used for closing provided, exception cleared.<br>Buyer Comment (2025-02-06): [Redacted] is not crediting the [Redacted] account balance to the borrower. Presuming the reason for that is the large deposit, attached is the LOE explaining the deposit. [Redacted] otherwise has the source check already in [Redacted]. | 02/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 504629974 |  |  |  | 33295515 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing evidence of percentage of business ownership for use of funds from [Redacted]. |  |  |  | Reviewer Comment (2025-02-27): Funds not required for transaction, exception cleared.<br>Buyer Comment (2025-02-24): It appears this account is not required in order to qualify for the transaction, would removing the account/asset resolve this finding and avoid creating new findings?<br>Reviewer Comment (2025-02-24): Required operating agreement for [Redacted] to verify the ownership of the [Redacted]. Exception Remains.<br>Buyer Comment (2025-02-20): Attached evidence of ownership of business. | 02/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 504629974 |  |  |  | 33295516 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | File is missing evidence of percentage of business ownership for use of funds from [Redacted]. |  |  |  | Reviewer Comment (2025-02-18): Documentation adding Borrower to account used for closing provided, exception cleared.<br>Reviewer Comment (2025-01-28): Please provide additional compelling compensating factors for consideration of downgrading /waiving exception. | 02/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 504629974 |  |  |  | 33295517 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower funds are insufficient to cover reserves. Borrower provided a letter stating they have access to funds from [Redacted] and that their name was added to the account. Statements in file do not have borrower name and lender did not use account to qualify. |  |  |  | Reviewer Comment (2025-02-18): Documentation adding Borrower to account used for closing provided, exception cleared. | 02/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 504629974 |  |  |  | 33295518 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | The Borrower is living rent free and is a first time investor which is ineligible per guidelines. | Miscellaneous<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]. | Conservative use of credit or minimal use of revolving credit. | Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-27): Lender exception with compensating factors.<br>Buyer Comment (2025-02-20): [Redacted] approved the exception and is not beholden to the exception policy. See attached, "[Redacted] Approval Summary" section.<br>Reviewer Comment (2025-01-28): Please provide additional compelling compensating factors for consideration of downgrading /waiving exception. |  |  | 02/27/2025 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 504629974 |  |  |  | 33295519 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The loan file does not document the receipt of the gift funds in the amount $[Redacted] |  |  |  | Reviewer Comment (2025-02-17): Letter of explanation provided. Exception cleared.<br>Buyer Comment (2025-02-13): Attached is documentation showing the borrower was added to the gift origination account ending in [Redacted]. Thus no transfer of funds was necessary when the transaction closed. | 02/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 583357383 |  |  |  | 33295520 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary Residence is not superior to the subject property, guidelines require that when purchasing a SFR the borrower's primary be superior to the subject. A signed letter to explain motivation to continue occupying primary residence is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Lender Exception with Compensating Factors.<br>- Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-29): Lender Exception with Compensating Factors. |  |  | 01/29/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 546062765 |  |  |  | 33295554 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for LTV to [Redacted]%. The guidelines have a maximum LTV of [Redacted]% for DSCR <[Redacted]. The compensating factors are reserves and FICO score. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [Redacted]+ | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-03-12): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-03-10): Attached.<br>Reviewer Comment (2025-03-05): Closing statement received however, no documentation that the Borrower owned the property for at least 12 months in the most recent [Redacted] months.<br>Buyer Comment (2025-03-03): Borrower is not a first-time investor, having recently sold investment property [Redacted][Redacted]. See attached HUD-1. Original exception is correct.<br>Reviewer Comment (2025-02-13): First time investor with DSCR < [Redacted]is [Redacted]% LTV. Lender Exception states exception is for [Redacted]% LTV. |  |  | 03/12/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 546062765 |  |  |  | 33295555 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved exception for CLTV to [Redacted]%. The guidelines have a maximum CLTV of [Redacted]% for DSCR <[Redacted]. The compensating factors are reserves and FICO score. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [Redacted]+ | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-03-12): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-03-10): waterfall<br>Reviewer Comment (2025-03-05): Closing statement received however, no documentation that the Borrower owned the property for at least [Redacted]months in the most recent [Redacted]months.<br>Buyer Comment (2025-03-03): Borrower is not a first-time investor, having recently sold investment property [Redacted]. See attached HUD-1. Original exception is correct.<br>Reviewer Comment (2025-02-13): First time investor with DSCR < [Redacted]is [Redacted]% LTV. Lender Exception states exception is for [Redacted]% LTV.<br>Reviewer Comment (2025-02-13): .First time investor with DSCR < [Redacted]is [Redacted]% LTV. Lender Exception states exception is for [Redacted]% LTV. |  |  | 03/12/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 546062765 |  |  |  | 33295556 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The matrix states the Closing Protection Letter must be dated at least [Redacted] days prior to Note. The Closing Protection Letter is missing from the loan file. |  |  |  | Reviewer Comment (2025-03-05): Closing Protection Letter is not required for NY state. Exception cleared.<br>Buyer Comment (2025-03-04): This is New York loan. They do not provide CPL's, just the E&O for the attorney/title. | 03/05/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 578763458 |  |  |  | 33295561 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Credit Report is more than [Redacted] days prior to the note date. | 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 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. | Lender Exception with Compensating Factors provided.<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO [Redacted]+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-21): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-02-19): non-agency loan approval exception for credit report expiration date uploaded |  |  | 02/21/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 578763458 |  |  |  | 33295562 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower's primary residence is not superior to the subject. Guidelines require primary be superior when borrower rents and is purchasing a single family residence. | 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 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. | Lender Exception with Compensating Factors provided.<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO [Redacted]+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-13): Lender exception with compensating factors. |  |  | 02/13/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 578763458 |  |  |  | 33295564 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose and certification. |  |  |  | Reviewer Comment (2025-02-21): Document provided. Clear.<br>Buyer Comment (2025-02-19): Initial business purpose disclosure uploaded | 02/21/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 549601589 |  |  |  | 33295566 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for multiple properties financed with [Redacted]. Subject is the [Redacted] loan financed with [Redacted]. Borrower has another loan in process. Current aggregate exposure is $[Redacted]. If both exceptions are approved and loans are approved, aggregate exposure to [Redacted] is $[Redacted]. Compensating factors: A) Excellent credit management with FICO [Redacted]+; B) Prior homeownership experience (no FC or Short Sale). | Borrower has owned the subject property for at least [Redacted] years.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Prior Homeownership Experience (No FC or SS).<br>Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors provided. |  |  | 02/13/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 586716306 |  |  |  | 33295573 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for multiple financed properties with [Redacted] mortgage services. The subject loan transaction will be the [Redacted] loan financed with [Redacted]. The Borrower also has another loan in process which will total [Redacted] loans. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | - Excellent Credit Management with FICO 720+<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors. |  |  | 02/13/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 531540916 |  |  |  | 33295575 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  |  |  |  |  | Reviewer Comment (2024-08-14): LOE from borrower provided.<br>Buyer Comment (2024-08-12): Escalation to [Redacted]and [Redacted]as document provided should be sufficient to clear exception<br>Reviewer Comment (2024-08-09): Exception Remains - Required Executed Bylaws document. Provide document is LOE and not Bylaws document.<br>Buyer Comment (2024-08-07): Please see LOE from borrower.<br>Reviewer Comment (2024-03-20): We are looking for a document stating what purpose is the business/entity allowed to operate in, as page [Redacted] of the guidleines states: Business purpose and activities are limited to ownership and<br> management of real estate.<br>Buyer Comment (2024-03-20): uploaded refinance purpose letter indicates intent to purchase investment property. Emailed letter to XXX for review<br>Reviewer Comment (2024-03-19): Need document describing the business purpose and activities to see if they are acceptable per guidelines.<br>Buyer Comment (2024-03-14): Hello [Redacted], <br> I am asking for an escalation on the outstanding exceptions on this file to provide signed Corporate Resolution and Bylaws. <br> The Guidelines do not require these documents to be signed and dated further these items are only required if applicable not that we must have every document listed in the guideline. Our responsibility is to insure the party of the transaction has the authority to transact on behalf of the business this is demonstrated per the attached documentation that has been provided to the reviewer. Per our legal opinion review of these docs we have met the [Redacted] points of ATR documented in the file accordingly.<br>Reviewer Comment (2024-03-07): Per Client request.<br>Buyer Comment (2024-02-21): UTC<br>Reviewer Comment (2024-01-03): Bylaws is required signed by all the members to verify ownership percentage. Exception remains.<br>Buyer Comment (2023-12-29): guideline does not require, see vesting in name of business entity guideline requirements | 08/14/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 588001114 |  |  |  | 33295581 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. Provide updated coverage or final title policy with evidence of sufficient coverage. |  |  |  | Reviewer Comment (2024-07-25): Documents received, system cleared.<br>Buyer Comment (2024-07-23): Policy amount was updated to $[Redacted], see attached closing instructions. | 07/25/2024 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 599654256 |  |  |  | 33295582 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is missing in file. |  |  |  | Reviewer Comment (2024-07-29): Received Note Addendum - Prepayment document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-07-26): Please see the Legal Note and Addendum to the Note attached. | 07/29/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Home Improvement | C A |  | N/A | Yes |
|  | 504128784 |  |  |  | 33295586 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | 1003 notes borrower is a non-permanent resident alien; however, no documentation is provided in file to verify residency status. |  |  |  | Reviewer Comment (2024-07-25): Received 1003 showing correction on the citizen status.<br>Buyer Comment (2024-07-24): Please see final 1003 signed and dated by all borrowers showing correction on the citizen status. also see letter from LP which stated that was a mistake, | 07/25/2024 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 504128784 |  |  |  | 33295587 |  | 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 subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-08-05): Received Property Inspection report in the file. Exception Cleared.<br>Buyer Comment (2024-08-01): Please see the Re-Inspection report attached dated after disaster end date 07[Redacted]29/2024 | 08/05/2024 |  |  | 1 A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 538493259 |  |  |  | 33295627 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Property is considered Ineligible Rural Property by Zip Code (Tier 3). The appraisal considers the property suburban with comps all under 1 mile from the subject. An exception was not given by the lender. | Borrower has been employed in the same industry 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>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted] | X or more years on the same job with the same employer<br>An additional [Redacted] months reserves (in addition to the reserve requirements stated on the program matrix<br>Prior homeownership experience (not resulting in foreclosure or short sale)<br>Residual income exceeds required amount by more than $[Redacted] <br> Low housing ratio of [Redacted]% or less | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-06-05): Prior Homeownership Experience (No FC or Short Sale).<br>Reviewer Comment (2023-04-24): Additional comp factors per Originator: Low housing ratio of [Redacted]% or less & Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2022-09-15): Prior homeownership experience (not resulting in foreclosure or short sale)<br> X or more years on the same job with the same employer<br> Low housing ratio of [redacted]% or less<br> Residual income exceeds required amount by more than $[redacted]<br> An additional three months reserves (in addition to the reserve requirements stated on the program matrix.<br> Client and lender elect to waive using compensating factors.<br>Seller Comment (2022-09-13): PC Exception Approval uploaded.<br>Reviewer Comment (2022-08-10): Page [Redacted]on guides has zip code Ineligible Rural Properties by Zip Code (Tier [Redacted]). Exception remains<br>Seller Comment (2022-08-09): the attached document shows that the population on that ZIP code shows that property is not located in a rural area.<br>Reviewer Comment (2022-08-04): Lender exception in tailing docs is not for this exception, that exception is for cash out for reserves <[Redacted].<br>Seller Comment (2022-08-04): Please see attached docs |  |  | 09/15/2022 | 2 C B |  | MN | Primary | Refinance - Cash-out - Home Improvement | D B A | Non QM | Non QM | No |
|  | 538493259 |  |  |  | 33295629 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-04): Exception cleared.<br>Reviewer Comment (2022-08-04): Exception Explanation Updated from: Title Evidence: Commitment | 08/04/2022 |  |  | 1 A |  | MN | Primary | Refinance - Cash-out - Home Improvement | D B A | Non QM | Non QM | No |
|  | 538493259 |  |  |  | 33295630 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The title commitments that vesting in the borrowers name is subject to conditions in a divorce decree recorded [Redacted] indicating that the borrower was awarded the property clear of the interest of the ex-spouse. The ex spouse is required convey to borrower, by deed. Evidence of an executed deed was not provided. |  |  |  | Reviewer Comment (2022-08-04): Exception cleared.<br>Seller Comment (2022-08-04): Please see attached document. is the final title policy<br>Reviewer Comment (2022-08-04): Please review the title commitment schedule B part 1 #[Redacted], need copy of the deed.<br>Seller Comment (2022-08-03): Please see attached document for Vesting | 08/04/2022 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Home Improvement | D B A | Non QM | Non QM | No |
|  | 538493259 |  |  |  | 33295631 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing cash out letter. |  |  |  | Reviewer Comment (2022-08-04): Exception cleared.<br>Seller Comment (2022-08-03): Please see attached document for Cash out letter. | 08/04/2022 |  |  | 1 C A D |  | MN | Primary | Refinance - Cash-out - Home Improvement | D B A | Non QM | Non QM | No |
|  | 538493259 |  |  |  | 33295632 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Final 1008 reflects lender granted an exception for to use cash back as reserves and [Redacted] % =LTV, please provide loan approval with all exceptions so we can add exceptions. |  |  |  | Reviewer Comment (2022-09-15): CPA status provided<br>Seller Comment (2022-09-13): CPA lookup, LTV response and 1008 updated reflecting no exception required for LTV and c/o proceeds to be used as reserves.<br>Reviewer Comment (2022-08-19): Missing CPA active status.<br>Seller Comment (2022-08-16): Please note hat the CPA letter provided, states exactly what you are asking for... The CPA mentions the use of funds from these accounts would not hold negatively impact the business.<br>Reviewer Comment (2022-08-12): CPA letter in file is missing "the withdrawal of<br> funds for the transaction will not have a negative impact on the business", This is required per guides,<br>Seller Comment (2022-08-12): CPA Letter<br>Reviewer Comment (2022-08-10): Per guides - "For self-employed borrowers, business assets are an acceptable source of funds<br> for down payment, closing costs, and reserves". If we use business assets for reserves the CPA letter in file is missing "the withdrawal of<br> funds for the transaction will not have a negative impact on the business".<br>Seller Comment (2022-08-09): There were no exceptions need on this file due this was a only a deal desk inquiry. the loan met all required approval parameters. please attached document.<br>Reviewer Comment (2022-08-04): Email states "deal desk response comments" - Will be entertained, assuming property does not come back rural, need the standard loan approval on page[Redacted] showing compensating factors and who approved exceptions.<br>Seller Comment (2022-08-03): Please attached document for the UW exception to use cash back as reserves | 09/15/2022 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Home Improvement | D B A | Non QM | Non QM | No |
|  | 533621247 |  |  |  | 33295661 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-07-30): Property inspection report received and updated. Exception cleared.<br>Buyer Comment (2024-07-29): Disaster reinspection report uploaded. | 07/30/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 533621247 |  |  |  | 33295662 |  | 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. |  |  |  |  | Buyer Comment (2024-06-18): Approve |  |  | 06/18/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 533621247 |  |  |  | 33295666 |  | 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. | The CPA letter in file to verify the Borrowers' self employment is not dated. |  |  |  | Reviewer Comment (2024-07-02): Exception cleared - Received proof of CPA document date and updated the clarity.<br>Buyer Comment (2024-06-28): Proof CPA letter received uploaded.<br>Reviewer Comment (2024-06-21): Unable to determine if credit documentation (assets/income) is dated within [Redacted]days of closing as required by Guidelines as CPA letter is not dated.<br>Buyer Comment (2024-06-18): Please note, CPA letter is not dated but guidelines do not require CPA letter to be dated. There is third party verification dated [Redacted] from opencorporates.com that is dated[Redacted]business days prior to the note date. | 07/02/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 533621247 |  |  |  | 33295667 |  | 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.) | The CPA letter in file to verify the Borrowers' self employment is not dated. |  |  |  | Reviewer Comment (2024-07-02): Exception cleared - Received proof of CPA document date and updated the [Redacted].<br>Buyer Comment (2024-06-28): Proof CPA letter received uploaded.<br>Reviewer Comment (2024-06-21): Unable to determine if credit documentation (assets/income) is dated within 90 days of closing as required by Guidelines as CPA letter is not dated.<br>Buyer Comment (2024-06-18): Please note, CPA letter is not dated but guidelines do not require CPA letter to be dated. There is third party verification dated [Redacted] from opencorporates.com that is dated [Redacted]business days prior to the note date. | 07/02/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 533621247 |  |  |  | 33295669 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2024-06-17): Accept |  |  | 06/17/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 533621247 |  |  |  | 33295670 |  | 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. | The CPA letter in file to verify the Borrowers' self employment is not dated. |  |  |  | Reviewer Comment (2024-07-02): Exception cleared - Received proof of CPA document date and updated the [Redacted].<br>Buyer Comment (2024-06-28): Proof CPA letter received uploaded.<br>Reviewer Comment (2024-06-21): Unable to determine if credit documentation (assets/income) is dated within 90 days of closing as required by Guidelines as CPA letter is not dated.<br>Buyer Comment (2024-06-18): Please note, CPA letter is not dated but guidelines do not require CPA letter to be dated. There is third party verification dated [Redacted] from [Redacted] that is dated [Redacted]business days prior to the note date. | 07/02/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 533621247 |  |  |  | 33295671 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The CPA letter in file to verify the Borrowers' self employment is not dated. |  |  |  | Reviewer Comment (2024-07-02): Exception cleared - Received proof of CPA document date and updated the clarity.<br>Buyer Comment (2024-06-28): Proof CPA letter received uploaded.<br>Reviewer Comment (2024-06-21): Unable to determine if credit documentation (assets/income) is dated within 90 days of closing as required by Guidelines as CPA letter is not dated.<br>Buyer Comment (2024-06-18): Please note, CPA letter is not dated but guidelines do not require CPA letter to be dated. There is third party verification dated [Redacted] from [Redacted] that is dated [Redacted]business days prior to the note date. | 07/02/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 533621247 |  |  |  | 33295672 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The CPA letter in file to verify the Borrowers' self employment is not dated. |  |  |  | Reviewer Comment (2024-07-02): Exception cleared - Received proof of CPA document date and updated the [Redacted].<br>Buyer Comment (2024-06-28): Proof CPA letter received uploaded.<br>Reviewer Comment (2024-06-21): Unable to determine if credit documentation (assets/income) is dated within 90 days of closing as required by Guidelines as CPA letter is not dated.<br>Buyer Comment (2024-06-18): Please note, CPA letter is not dated but guidelines do not require CPA letter to be dated. There is third party verification dated [Redacted] from [Redacted] that is dated [Redacted]business days prior to the note date. | 07/02/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295705 |  | 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. | Evidence of appraisal delivery not provided. The version of the acknowledgment of receipt signed at closing has been deemed non-compliant as it does not specify whether borrower is acknowledging receipt of appraisal at least 3 business days prior to closing or has previously waived the delivery timing requirements and has received the appraisal. |  |  |  | Reviewer Comment (2023-06-28): Received evidence of delivery. | 06/28/2023 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295706 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Considered non-compliant due to missing documentation to evidence delivery of the appraisal to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2023-06-28): Received evidence of appraisal delivery. | 06/28/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295707 |  | 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. | Evidence of appraisal delivery not provided. The version of the acknowledgment of receipt signed at closing has been deemed non-compliant as it does not specify whether borrower is acknowledging receipt of appraisal at least 3 business days prior to closing or has previously waived the delivery timing requirements and has received the appraisal. |  |  |  | Reviewer Comment (2023-06-28): Received evidence of appraisal delivery.<br>Buyer Comment (2023-06-24): Proof appraisal delivered to borrower uploaded. | 06/28/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295708 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2023-06-28): Received initial disclosure.<br>Buyer Comment (2023-06-24): Initial and final disclosure uploaded. | 06/28/2023 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295709 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The total for escrow payment at closing on the Post Close CD does not match the initial escrow deposit on the only Initial Escrow Account Disclosure in the file. |  |  |  | Buyer Comment (2023-08-03): \* |  |  | 08/03/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 544060803 |  |  |  | 33295710 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The appraisal indicates HOA dues of $[Redacted]/month; however, the final Closing Disclosure did not disclose any non-escrowed property costs. |  |  |  | Reviewer Comment (2023-06-26): [Redacted] received post CD and LOX.<br>Buyer Comment (2023-06-24): PCCD uploaded. |  | 06/26/2023 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 544060803 |  |  |  | 33295711 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate issued on [Redacted] signed by borrower(s) on [Redacted], which is less than 4 business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2023-07-14): [Redacted]received proof of earlier receipit/viewing<br>Buyer Comment (2023-07-12): Expedite Audit Cert uploaded reflecting borrower received LE on [Redacted]. | 07/14/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295712 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-07-13): [Redacted] Received PCCD, LOE and Payment History<br>Buyer Comment (2023-07-12): PCCD, LOE and payment history reflecting PR uploaded. |  | 07/13/2023 |  | 2 C B |  | 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 |
|  | 544060803 |  |  |  | 33295713 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on the initial Loan Estimate. Fee is paid to a lender affiliate and a valid change of circumstance not provided for disclosure of new fee nor was there evidence of a tolerance cure. |  |  |  | Reviewer Comment (2023-07-13): [Redacted]Received PCCD, LOE and Payment History<br>Buyer Comment (2023-07-12): PCCD, LOE and payment history reflecting PR uploaded.<br>Reviewer Comment (2023-06-21): [Redacted]Received PCCD, LOE and Payment history showing Principal Reduction $[Redacted]; however, provided Principal reduction is not sufficient to cure all the tolerance exceptions. Exception will be cured once Cure docs or COC received for other tolerance exceptions.<br>Buyer Comment (2023-06-20): Please see attached Disclosure History, PCCD, and Payment History for the PR Cure |  | 07/13/2023 |  | 2 C B |  | 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 |
|  | 544060803 |  |  |  | 33295714 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed as $[Redacted] on the Loan Estimate dated [Redacted] but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase or evidence of a tolerance cure. |  |  |  | Reviewer Comment (2023-07-13): [Redacted]Received PCCD, LOE and Payment History<br>Buyer Comment (2023-07-12): PCCD, LOE and payment history reflecting PR uploaded. |  | 07/13/2023 |  | 2 C B |  | 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 |
|  | 544060803 |  |  |  | 33295715 |  | 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 ___. | Payment for deferred student loan was excluded from lender's calculations, however, no documentation supporting exclusion is provided. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>[Redacted] Plus years on the job.<br> Lender Exception with Compensating Factors.<br>Loan Transaction results in total monthly payment savings of $[Redacted] or more per month. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2023-08-08): Compensating Factor update.<br>Reviewer Comment (2023-07-14): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-07-12): Post Consummation Exception Approval uploaded. |  |  | 07/14/2023 | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295716 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing source of funds for payoff of [Redacted] auto leases excluded from DTI ([Redacted] #[Redacted] $[Redacted]; [Redacted] #[Redacted] $[Redacted]). |  |  |  | Reviewer Comment (2023-07-14): Evidence liens were paid was provided.<br>Buyer Comment (2023-07-12): Final Settlement Statement reflecting GM paid at closing, credit supplement reflecting Hon Acct Lease turned in uploaded. | 07/14/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295717 |  | 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. | The Originator Loan Designation is Non QM. However, the Due Diligence Loan Designation is ATR Risk due to the following issue(s): Payment for deferred student loan was excluded from lender's calculations, however, no documentation supporting exclusion is provided. |  |  |  | Reviewer Comment (2023-07-14): Non QM<br>Buyer Comment (2023-07-12): Post Consummation Exception Approval uploaded. | 07/14/2023 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 544060803 |  |  |  | 33295718 |  | 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. | Payment for deferred student loan was excluded from lender's calculations, however, no documentation supporting exclusion is provided. |  |  |  | Reviewer Comment (2023-07-14): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2023-07-12): Post Consummation Exception Approval uploaded. | 07/14/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295719 |  | 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 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Payment for deferred student loan was excluded from lender's calculations, however, no documentation supporting exclusion is provided. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>[Redacted] Plus years on the job.<br> Lender Exception with Compensating Factors.<br>Loan Transaction results in total monthly payment savings of $[Redacted] or more per month. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2023-08-08): Compensating Factor update.<br>Reviewer Comment (2023-07-17): Approved lender exception provided.<br>Buyer Comment (2023-07-12): Post Consummation Exception Approval uploaded. |  |  | 07/17/2023 | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
|  | 544060803 |  |  |  | 33295720 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Per title commitment, new lender is not prior originating lender. |  |  |  | Reviewer Comment (2023-08-28): Cure documentation received.<br>Reviewer Comment (2023-08-28): re-open to cure instead of clearing.<br>Reviewer Comment (2023-08-24): Trailing [Redacted] Notice of Right to Cancel, Letter of Explanation and Proof of Delivery provided.<br>Buyer Comment (2023-08-22): LOE and proof of delivery uploaded.<br>Reviewer Comment (2023-08-22): Letter of Explanation and Proof of Delivery missing.<br>Buyer Comment (2023-08-18): NORTC re-executed uploaded. |  | 08/28/2023 |  | 2 C B |  | FL | 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 |
|  | 544060803 |  |  |  | 33295721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was increased from what was originally disclosed and the Change of Circumstance was not specific as to why the fee was changing. Additionally, there was no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2023-07-13): [Redacted]Received PCCD, LOE and Payment History<br>Buyer Comment (2023-07-12): PCCD, LOE and payment history reflecting PR uploaded. |  | 07/13/2023 |  | 2 C B |  | 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 |
|  | 586381696 |  |  |  | 33295765 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  | Borrower has been employed in the same industry for more than [Redacted] years.<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>Borrower has verified disposable income of at least $[Redacted].<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Substantial Cash Reserves<br>Residual income greater than $[Redacted]<br>[Redacted] plus years on Job<br>Borrowers own funds used for down payment and closing costs(No gifts or DPA) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-07-15): Lender Exception with Compensating Factors. |  |  | 07/15/2024 | 1 A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[Redacted]. | 0% Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]is less than amount of binding Lender Credit previously disclosed in the amount of $-[Redacted]. |  |  |  | Reviewer Comment (2024-03-01): [Redacted] received Letter of Explanation,copy of principal reduction on cure & Corrected CD.<br>Buyer Comment (2024-02-28): PCCD and payment history reflecting PR uploaded. |  | 03/01/2024 |  | 2 C B |  | NJ | 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 |
|  | 586381696 |  |  |  | 33295769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | 10% Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-02-29): [Redacted] received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2024-02-28): PCCD and payment history reflecting PR uploaded. |  | 02/29/2024 |  | 2 C B |  | NJ | 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 |
|  | 586381696 |  |  |  | 33295770 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-02-01): Appraisal delivery confirmation received. Exception Cleared<br>Buyer Comment (2024-01-31): Appraisal proof of delivery uploaded. | 02/01/2024 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295771 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | 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. |  |  |  | Reviewer Comment (2024-02-01): Appraisal delivery confirmation received. Exception Cleared<br>Buyer Comment (2024-01-31): Appraisal proof of delivery uploaded. | 02/01/2024 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295772 |  | 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 valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-02-01): Appraisal delivery confirmation received. Exception Cleared<br>Buyer Comment (2024-01-31): Appraisal proof of delivery uploaded. | 02/01/2024 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295773 |  | 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 is defaulting through QM Testing as DTI exceeds guidelines. |  |  |  | Reviewer Comment (2024-07-16): Non-QM loan based on DTI exception waived with compensating factors.<br>Buyer Comment (2024-07-11): Please note, a PC Exception is not necessary. A license from the authority that governs would supersede and LOE on the nature of business. In addition, the documentation was obtained prior to close so ATR is not affected.<br>Reviewer Comment (2024-03-29): Lender exception is post close without alternate documentation provided. Exception remain [Redacted].<br>Buyer Comment (2024-03-22): All exceptions addressed.<br>Reviewer Comment (2024-02-14): Lender exception received for DTI. ATR still reporting as missing income documentation to clear.<br>Buyer Comment (2024-01-31): UPE approved PTC by [Redacted] for DTI uploaded. | 07/16/2024 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 586381696 |  |  |  | 33295774 |  | 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 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The DTI calculated in accordance with the Lenders Guidelines of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<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>Borrower has verified disposable income of at least $[Redacted].<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Substantial Cash Reserves<br>Residual income greater than $[Redacted]<br>[Redacted] plus years on Job<br>Borrowers own funds used for down payment and closing costs(No gifts or DPA) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-07-17): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-01-31): UPE approved PTC by [Redacted] for DTI uploaded. |  |  | 07/17/2024 | 2 C B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295775 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<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>Borrower has verified disposable income of at least $[Redacted]. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-02-14): Lender exception in file with compensating factors.<br>Buyer Comment (2024-01-31): UPE approved PTC by [Redacted] for DTI uploaded. |  |  | 02/14/2024 | 2 C B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295776 |  | 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. | Loan is defaulting to QM Testing, due to borrower's DTI exceeds guidelines of [Redacted]%. |  |  |  | Reviewer Comment (2024-07-15): Documents received, system cleared.<br>Buyer Comment (2024-07-11): Please note, a PC Exception is not necessary. A license from the authority that governs would supersede and LOE on the nature of business. In addition, the documentation was obtained prior to close so ATR is not affected.<br>Reviewer Comment (2024-03-29): Lender exception is post close without alternate documentation provided. Exception remains [Redacted]<br>Buyer Comment (2024-03-22): All exceptions addressed.<br>Reviewer Comment (2024-02-15): Exception remains due to outstanding income documentation.<br>Reviewer Comment (2024-02-15): exception received, this exception will remain until the income docs issue has been resolved.<br>Buyer Comment (2024-01-31): UPE approved PTC by [Redacted] for DTI uploaded. | 07/15/2024 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295777 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Loan file missing evidence the borrower has been self employed for [Redacted] years, the business has been active for [Redacted] years, and the borrower's signature on the P&L. The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-03-08): All requirements except required letter provided. Guidelines require : The borrower or tax preparer must provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence.<br>Reviewer Comment (2024-02-14): CPA letter does not state % of ownership as required by guidelines.<br>Buyer Comment (2024-01-31): Signed P&L, third party verification, CPA letter and business license uploaded. | 03/08/2024 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295778 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DTI exceeds Guidelines. | Borrower has been employed in the same industry for more than [Redacted] years.<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>Borrower has verified disposable income of at least $[Redacted]. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-02-14): Lender exception in file with compensating factors.<br>Buyer Comment (2024-01-31): UPE approved PTC by [Redacted] for DTI uploaded. |  |  | 02/14/2024 | 2 C B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295779 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing evidence the borrower has been self employed for [Redacted] years, the business has been active for [Redacted] years, and the borrower's signature on the P&L. The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-15): Documents received, system cleared.<br>Buyer Comment (2024-07-11): Please note, a PC Exception is not necessary. A license from the authority that governs would supersede and LOE on the nature of business. In addition, the documentation was obtained prior to close so ATR is not affected.<br>Reviewer Comment (2024-03-29): Lender exception is post close without alternate documentation provided. Exception remains [Redacted]<br>Buyer Comment (2024-03-22): [Redacted] Exception Approval for missing LOE regarding nature of business and income generated. CPA letter in file states borrower has been in business for over [Redacted] years.<br>Reviewer Comment (2024-03-08): All requirements except required letter provided. Guidelines require : The borrower or tax preparer must provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence.<br>Buyer Comment (2024-03-07): Hello [Redacted],<br> Can you please take a look at this file as we are trying to clear the income exception that is triggering ATR for % of ownership. This is a self employed Nurse licensed under her own name supported by the business license, P&L's and CPA letter she is clearly [Redacted]% owner of herself. Please let me know if you see an issue that does not allow you to clear this file as all ATR requirements were met.<br>Reviewer Comment (2024-02-05): Provided P&L document signed on post note dated. Exception Remains.<br>Reviewer Comment (2024-02-05): CPA Letter and Business License provided updated in clarity.<br>Buyer Comment (2024-01-31): Signed P&L, third party verification, CPA letter and business license uploaded. | 07/15/2024 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295780 |  | 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.) | Loan file missing evidence the borrower has been self employed for [Redacted] years, the business has been active for [Redacted] years, and the borrower's signature on the P&L. The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-15): Documents received, system cleared.<br>Buyer Comment (2024-07-11): Please note, a PC Exception is not necessary. A license from the authority that governs would supersede and LOE on the nature of business. In addition, the documentation was obtained prior to close so ATR is not affected.<br>Reviewer Comment (2024-03-29): Lender exception is post close without alternate documentation provided. Exception remains [Redacted].<br>Buyer Comment (2024-03-22): [Redacted] Exception Approval for missing LOE regarding nature of business and income generated. CPA letter in file states borrower has been in business for over [Redacted] years.<br>Reviewer Comment (2024-02-14): CPA letter does not state % of ownership as required by guidelines.<br>Buyer Comment (2024-01-31): Signed P&L, third party verification, CPA letter and business license uploaded. | 07/15/2024 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295782 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines require : The borrower or tax preparer must provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-15): Documents received, system cleared.<br>Buyer Comment (2024-07-11): Please note, a PC Exception is not necessary. A license from the authority that governs would supersede and LOE on the nature of business. In addition, the documentation was obtained prior to close so ATR is not affected.<br>Reviewer Comment (2024-03-29): Lender exception is post close without alternate documentation provided. Exception remains [Redacted].<br>Buyer Comment (2024-03-22): [Redacted] Exception Approval for missing LOE regarding nature of business and income generated. CPA letter in file states borrower has been in business for over [Redacted]years. | 07/15/2024 |  |  | 1 A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 586381696 |  |  |  | 33295783 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing LOE describing nature of business/income generated. | Borrower has been employed in the same industry for more than [Redacted] years.<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>Borrower has verified disposable income of at least $[Redacted].<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Substantial Cash Reserves<br>Residual income greater than $[Redacted]<br>[Redacted] plus years on Job<br>Borrowers own funds used for down payment and closing costs(No gifts or DPA) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-08-30): Lender Exception with Compensating Factors. |  |  | 08/30/2024 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 555128687 |  |  |  | 33295842 |  | 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 subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-08-21): Received clear inspection.<br>Buyer Comment (2024-08-21): This inspection report is dated [Redacted] It is [Redacted]days old. There are no more recent inspection reports. Please clear this finding.<br>Reviewer Comment (2024-08-21): Most recent inspection report require , Exception remains<br>Buyer Comment (2024-08-20): Subject no longer damaged. | 08/21/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 555128687 |  |  |  | 33295844 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of receipt. |  |  |  | Reviewer Comment (2024-08-12): Received Disclosure Summary for appraisal delivery. Exception cleared.<br>Buyer Comment (2024-08-06): Attached log of electronic delivery. | 08/12/2024 |  |  | 1 B A |  | IA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 555128687 |  |  |  | 33295846 |  | 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. | The loan file is missing [Redacted] years business license and/or a CPA letter to verify two years self employment as required by guidelines. |  |  |  | Reviewer Comment (2024-08-12): Received lender correspondence to verify [Redacted] years of self employment and also, verbal verification of employment and written verification of employment are already provided in file to support [Redacted]years self employment history. Exception cleared.<br>Buyer Comment (2024-08-06): Response attached to exception ID [Redacted]. | 08/12/2024 |  |  | 1 B A C |  | IA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 555128687 |  |  |  | 33295847 |  | 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.) | The loan file is missing [Redacted] years business license and/or a CPA letter to verify two years self employment as required by guidelines. |  |  |  | Reviewer Comment (2024-08-08): The 1099 contract business has been verified from independent contract agreement document and from [Redacted] years of w-2 transcript. Exception cleared<br>Buyer Comment (2024-08-06): Response attached to exception ID [Redacted]. | 08/08/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 555128687 |  |  |  | 33295848 |  | 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. | The loan file is missing [Redacted] years business license and/or a CPA letter to verify two years self employment as required by guidelines. |  |  |  | Reviewer Comment (2024-08-12): Received lender correspondence to verify [Redacted] years of self employment and also, verbal verification of employment and written verification of employment are already provided in file to support[Redacted] years self employment history. Exception cleared.<br>Buyer Comment (2024-08-06): Response attached to exception ID [Redacted]. | 08/12/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 555128687 |  |  |  | 33295849 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing [Redacted] years business license and/or a CPA letter to verify two years self employment as required by guidelines. |  |  |  | Reviewer Comment (2024-08-08): The 1099 contract business has been verified from independent contract agreement document and from [Redacted] years of w-2 transcript. Exception cleared<br>Buyer Comment (2024-08-06): The borrower is an independent contractor and in an industry that does not require a business license or CPA. Instead, the borrower provided his original contract with the company utilizing his services to satisfy the third party verification of his business duration, on top of the completion of the written VOE form. These are sufficient to satisfy the requirement for 1099 income documentation. | 08/08/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 555128687 |  |  |  | 33295850 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file is missing [Redacted] years business license and/or a CPA letter to verify two years self employment as required by guidelines. |  |  |  | Reviewer Comment (2024-08-08): The 1099 contract business has been verified from independent contract agreement document and from [Redacted] years of w-2 transcript. Exception cleared<br>Buyer Comment (2024-08-06): Response attached to exception ID [Redacted]. | 08/08/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 520324277 |  |  |  | 33295858 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subjject propperty is rural on appraisal, subject is not a tier [Redacted] zip code list. Appraiser indicates [Redacted]% of the neighborhood is SFR land use. [Redacted] out of [Redacted] utilities are public. Comparables are located at reasonable distance for [Redacted] : ranging from .[Redacted]miles to [Redacted] miles. Appraiser states neighborhood has seen signifcant growth and slowly changing fro | Borrower has owned the subject property for at least [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>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.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio of [Redacted]% or less | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-11-21): CF Update.<br>Reviewer Comment (2024-08-02): Lender Exception with Compensating Factors. |  |  | 08/02/2024 | 2 B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
|  | 596876526 |  |  |  | 33295862 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[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. |  |  |  | Reviewer Comment (2024-09-06): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-09-04): PCCD, LOE, cure check and proof of delivery uploaded. |  | 09/06/2024 |  | 2 C B |  | CT | 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 |
|  | 596876526 |  |  |  | 33295864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | No cure or changed circumstance provided. |  |  |  | Reviewer Comment (2024-09-06): [Redacted]received PCCD, LOE, copy of refund check and proof of mailing<br>Buyer Comment (2024-09-04): PCCD, LOE, cure check and proof of delivery uploaded. |  | 09/06/2024 |  | 2 C B |  | CT | 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 |
|  | 559286059 |  |  |  | 33295873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested allowing 2 individuals on the bank statements used for income with only one individual on the loan (Guidelines require all individuals on the bank statements to be on the loan). | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | VA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 559286059 |  |  |  | 33295874 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender exception requested allowing 2 individuals on the bank statements used for income with only one individual on the loan (Guidelines require all individuals on the bank statements to be on the loan). | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-08-08): Lender Exception with Compensating Factors. |  |  | 08/08/2024 | 2 B |  | VA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 559286059 |  |  |  | 33295875 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation ([Redacted]) to applicant three ([Redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2024-08-13): accept |  |  | 08/13/2024 | 2 B |  | VA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 505416737 |  |  |  | 33295878 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2024-08-23): [Redacted]received Settlement service provider list. | 08/23/2024 |  |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
|  | 505416737 |  |  |  | 33295879 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2024-08-23): [Redacted] received Settlement service provider list, and the fee is within tolerance limit.<br>Buyer Comment (2024-08-21): Attached.<br>Reviewer Comment (2024-08-21): [Redacted]received Attestation letter. However, [Redacted]is unable to determine from the file whether the borrower shopped for service. The file does not contain a "SSPL". Tolerance category will be reevaluated when SPPL is received.<br>Buyer Comment (2024-08-20): Attestation attached.<br>Reviewer Comment (2024-08-19): [Redacted]received rebuttal for fee name change from LE to CD. Please provide an attestation from lender explaining the purpose of the fee are same for Attorney fee and Settlement fee and why the fee name changed from LE to CD.<br>Buyer Comment (2024-08-16): [Redacted] disclosed a $[Redacted]title attorney fee with the initial LE; this is a New York property, meaning this is a fee for closing/settlement services. The settlement fee at closing was $[Redacted], $[Redacted]below the disclosed amount. [Redacted] did not include the attorney fee in the [Redacted]% tolerance results. | 08/23/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 551235996 |  |  |  | 33295926 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[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]. |  |  |  | Reviewer Comment (2024-08-07): Sufficient Cure Provided At Closing |  | 08/07/2024 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 551235996 |  |  |  | 33295928 |  | 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. | The Rate Lock Confirmation date is missing from the loan file. The Changed Circumstance form does not reflect the actual date rate was locked. |  |  |  | Reviewer Comment (2024-08-22): Documents received, system cleared.<br>Buyer Comment (2024-08-16): attached | 08/22/2024 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 559977576 |  |  |  | 33295932 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Final CD [Redacted] page [Redacted] indicates a total initial escrow payment at closing of $[Redacted] and Post close CD [Redacted] indicates in page 4 as $[Redacted] which does not matches with the Initial Escrow Account Disclosure which reflects an initial deposit of $[Redacted] |  |  |  | Buyer Comment (2024-08-26): Accept<br>Reviewer Comment (2024-08-23): Please provide corrected Initial Escrow Account Disclosure and LOE to the borrower, signature is not required.<br>Buyer Comment (2024-08-16): This is a variance of $[Redacted] in an escrow account for which the borrower will receive a refund for overpayment. |  |  | 08/26/2024 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 559977576 |  |  |  | 33295933 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The CD issued [Redacted] does not have the correct amounts entered in the "Calculating Cash to Close" section. This section indicates the borrower is required to bring $[Redacted] to close and no assets are provided in the file. Borrower short cash to close. Please provide corrected CD. |  |  |  | Reviewer Comment (2024-08-19): PCCD received with corrected cash to close & associated. Exception cleared.<br>Buyer Comment (2024-08-16): Correction attached. | 08/19/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559977576 |  |  |  | 33295934 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient reserves. |  |  |  | Reviewer Comment (2024-08-19): PCCD received with corrected cash to close & associated. Exception cleared.<br>Buyer Comment (2024-08-16): See corrected CD attached to exception ID [Redacted]. | 08/19/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559977576 |  |  |  | 33295935 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The CD issued [Redacted] does not have the correct amounts entered in the "Calculating Cash to Close" section. This section indicates the borrower is required to bring $[Redacted] to close and no assets are provided in the file. As a result Borrower short cash to close and reserves. Please provide corrected CD. |  |  |  | Reviewer Comment (2024-08-19): PCCD received with corrected cash to close & associated. Exception cleared.<br>Buyer Comment (2024-08-16): See corrected CD attached to exception ID [Redacted]. | 08/19/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559977576 |  |  |  | 33295936 |  | 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. | The CD issued [Redacted] does not have the correct amounts entered in the "Calculating Cash to Close" section. This section indicates the borrower is required to bring $[Redacted] to close and no assets are provided in the file. As a result Borrower short cash to close and reserves. Please provide corrected CD. |  |  |  | Reviewer Comment (2024-08-19): PCCD received with corrected cash to close & associated. Exception cleared.<br>Buyer Comment (2024-08-16): See corrected CD attached to exception ID [Redacted]. | 08/19/2024 |  |  | 1 B A C |  | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 559977576 |  |  |  | 33295937 |  | 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. | The CD issued [Redacted] does not have the correct amounts entered in the "Calculating Cash to Close" section. This section indicates the borrower is required to bring $[Redacted] to close and no assets are provided in the file. As a result Borrower short cash to close and reserves. Please provide corrected CD. |  |  |  | Reviewer Comment (2024-08-19): PCCD received with corrected cash to close & associated. Exception cleared.<br>Buyer Comment (2024-08-16): See corrected CD attached to exception ID [Redacted]. | 08/19/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559977576 |  |  |  | 33295938 |  | 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.) | The CD issued [Redacted] does not have the correct amounts entered in the "Calculating Cash to Close" section. This section indicates the borrower is required to bring $[Redacted] to close and no assets are provided in the file. As a result Borrower short cash to close and reserves. Please provide corrected CD. |  |  |  | Reviewer Comment (2024-08-19): PCCD received with corrected cash to close & associated. Exception cleared.<br>Buyer Comment (2024-08-16): See corrected CD attached to exception ID [Redacted]. | 08/19/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 560366770 |  |  |  | 33295953 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of appraisal was delivered to borrower was not provided |  |  |  | Reviewer Comment (2024-09-05): Documents received, system cleared<br>Buyer Comment (2024-08-27): Attached | 09/05/2024 |  |  | 1 B A |  | IL | Investment | Purchase | C B A | Non QM | N/A | No |
|  | 560366770 |  |  |  | 33295954 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[Redacted] is less than Guideline Available for Reserves of $[Redacted] . |  |  |  | Reviewer Comment (2024-09-05): System cleared.<br>Reviewer Comment (2024-08-29): Exception remains. Received asset verification report and updated correctly, still not enough to meet Reserves requirement.<br>Buyer Comment (2024-08-28): The guideline requirement adds [Redacted]additional months of reserves per additional property owned, so the required reserves would be [Redacted]months rather than [Redacted], or $[Redacted]. The borrower has $[Redacted]in reserves after paying the funds to close. AMC is not using the most recent balance for XXX, which should be $[Redacted]using [Redacted]% of the verified balance on the attached. AMC is also excluding the business account ending in [Redacted], documentation of ownership by the borrower is attached.<br>Reviewer Comment (2024-08-28): Please provide additional funds to meet reserve requirement subject property is investment "Multiple Financed Properties: [Redacted] months for each additional property when the subject is a Second Home or Investment Property", Exception remains.<br>Buyer Comment (2024-08-27): Please clarify, as this amount would represent [Redacted]months reserves based on PITIA. The loan amount is less than $[Redacted] and it is not interest only, so the required reserves should be[Redacted] months. | 09/05/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C B A | Non QM | N/A | No |
|  | 560366770 |  |  |  | 33295955 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves. [Redacted] months required and only [Redacted] months verified. | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership (No FC or SS)<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-11): Attached is a post-closing exception for the reserves less than [Redacted] months, loan has multiple compensating factors.<br>Reviewer Comment (2024-09-05): All of our assets match up and verified. The difference in your required funds to close and ours is we are including the $[Redacted]in POC's and you are not. I did not find any proof that borrower paid these invoices and cannot exclude. This is the reason we are short in reserves.<br>Reviewer Comment (2024-08-29): Exception remains. Received asset verification report and updated correctly, still not enough to meet Reserves requirement.<br>Buyer Comment (2024-08-28): Please see response attached to exception ID [Redacted].<br>Reviewer Comment (2024-08-28): Please provide additional funds to meet reserve requirement subject property is investment "Multiple Financed Properties: 2 months for each additional property when the subject is a Second Home or Investment Property", Exception remains.<br>Buyer Comment (2024-08-27): Please clarify, as this amount would represent [Redacted]months reserves based on PITIA. The loan amount is less than $[Redacted]and it is not interest only, so the required reserves should be [Redacted] months. |  |  | 09/19/2024 | 2 C B |  | IL | Investment | Purchase | C B A | Non QM | N/A | No |
|  | 560366770 |  |  |  | 33295956 |  | 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.) | Insufficient reserves. [Redacted] months required and only [Redacted] months verified. |  |  |  | Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors. System cleared.<br>Buyer Comment (2024-09-11): Post-closing exception attached to exception ID [Redacted].<br>Reviewer Comment (2024-09-05): All of our assets match up and verified. The difference in your required funds to close and ours is we are including the $[Redacted]in POC's and you are not. I did not find any proof that borrower paid these invoices and cannot exclude. This is the reason we are short in reserves.<br>Buyer Comment (2024-08-28): Please see response attached to exception ID [Redacted].<br>Reviewer Comment (2024-08-28): Please provide additional funds to meet reserve requirement subject property is investment "Multiple Financed Properties: 2 months for each additional property when the subject is a Second Home or Investment Property", Exception remains.<br>Buyer Comment (2024-08-27): Please clarify, as this amount would represent [Redacted]months reserves based on PITIA. The loan amount is less than $[Redacted] and it is not interest only, so the required reserves should be [Redacted] months. | 09/19/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C B A | Non QM | N/A | No |
|  | 560366770 |  |  |  | 33295957 |  | 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. | Insufficient reserves. [Redacted] months required and only [Redacted] months verified. |  |  |  | Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors. System cleared.<br>Buyer Comment (2024-09-11): Post-closing exception attached to exception ID [Redacted].<br>Reviewer Comment (2024-09-05): All of our assets match up and verified. The difference in your required funds to close and ours is we are including the $[Redacted]in POC's and you are not. I did not find any proof that borrower paid these invoices and cannot exclude. This is the reason we are short in reserves.<br>Buyer Comment (2024-08-28): Please see response attached to exception ID [Redacted].<br>Reviewer Comment (2024-08-28): Please provide additional funds to meet reserve requirement subject property is investment "Multiple Financed Properties: [Redacted] months for each additional property when the subject is a Second Home or Investment Property", Exception remains.<br>Buyer Comment (2024-08-27): Please clarify, as this amount would represent [Redacted]months reserves based on PITIA. The loan amount is less than $[Redacted]and it is not interest only, so the required reserves should be[Redacted] months. | 09/19/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C B A | Non QM | N/A | No |
|  | 560366770 |  |  |  | 33295958 |  | 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 ___. | All of our assets match up and verified. The difference in your required funds to close and ours is we are including the $[Redacted] in POC's and you are not. I did not find any proof that borrower paid these invoices and cannot exclude. This is the reason we are short in reserves. | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership (No FC or SS)<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-11): Post-closing exception attached to exception ID [Redacted]. |  |  | 09/19/2024 | 2 B |  | IL | Investment | Purchase | C B A | Non QM | N/A | No |
|  | 550655922 |  |  |  | 33295964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted] with no valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-29): [Redacted] received Letter of Explanation and Corrected CD.<br>Buyer Comment (2024-08-27): Already cured, see attached documentation. |  | 08/29/2024 |  | 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 |
|  | 550655922 |  |  |  | 33295965 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-29): [Redacted] received Letter of Explanation and Corrected CD.<br>Buyer Comment (2024-08-27): Already cured, see documentation attached to exception ID [Redacted]. |  | 08/29/2024 |  | 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 |
|  | 550655922 |  |  |  | 33295966 |  | 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 PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [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>Borrower has a clean housing payment history<br>Miscellaneous | [Redacted]+ years on job..<br>Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-08-28): Attached is a post-closing exception allowing [Redacted]% use of the business assets. File already has sufficient compensating factors, and the access letter shows this was the intent.<br>Reviewer Comment (2024-08-28): According to the guideline business asset must be multiplied by the borrower's ownership percentage of the business. As the borrower is [Redacted]% owner of the business in file, so the business asset must be captured as [Redacted]%. Exception remains.<br>Buyer Comment (2024-08-27): Attached, page [Redacted], the borrower has [Redacted]% access to the funds in the business account ending in [Redacted]with balance $[Redacted]. This should be included in the available reserves. |  |  | 09/05/2024 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295967 |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-08-27): See response to exception ID [Redacted]. | 09/05/2024 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 550655922 |  |  |  | 33295968 |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-08-27): See response to exception ID [Redacted]. | 09/05/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295969 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive NSFs, guidelines allow for [Redacted] and Borrower has [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>Borrower has a clean housing payment history<br>Miscellaneous | [Redacted]+ years on job..<br>Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 08/19/2024 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295970 |  | 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. |  |  |  |  | Reviewer Comment (2024-08-28): Borrower waived right to receive a copy of the appraisal at least [Redacted]business days prior to closing. Exception cleared.<br>Buyer Comment (2024-08-27): See response to exception ID [Redacted]. | 08/28/2024 |  |  | 1 B A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295971 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-09-18): Documents received, system cleared.<br>Buyer Comment (2024-09-09): See attached to exception ID [Redacted].<br>Reviewer Comment (2024-09-05): The loan file does not document delivery of the [Redacted] appraisal to the Borrower.<br>Buyer Comment (2024-08-27): See response to exception ID [Redacted]. | 09/18/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295972 |  | 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. |  |  |  |  | Reviewer Comment (2024-09-18): Documents received, system cleared.<br>Buyer Comment (2024-09-09): Attached, [Redacted] received the [Redacted] appraisal on [Redacted] and sent to the borrower on [Redacted].<br>Reviewer Comment (2024-09-05): The loan file does not document delivery of the [Redacted]appraisal to the Borrower.<br>Buyer Comment (2024-08-27): The borrower waived the timing requirement, see attached. | 09/18/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295973 |  | 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.) | Excessive NSFs and the borrower is short reserves. |  |  |  | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-08-27): See response to exception ID [Redacted]regarding reserves, NSFs were addressed with an exception prior to close. | 09/05/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295974 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [Redacted] is less than guideline requirement of [Redacted] months. | 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>Borrower has a clean housing payment history<br>Miscellaneous | [Redacted]+ years on job..<br>Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-08-28): See post-closing exception attached to finding [Redacted].<br>Reviewer Comment (2024-08-28): According to the guideline business asset must be multiplied by the borrower's ownership percentage of the business. As the borrower is [Redacted]% owner of the business in file, so the business asset must be captured as [Redacted]%. Exception remains.<br>Buyer Comment (2024-08-27): See response to exception ID [Redacted]. |  |  | 09/05/2024 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295975 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Excessive overdrafts (Guidelines allow for [Redacted] Borrower has [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>Borrower has a clean housing payment history<br>Miscellaneous | [Redacted]+ years on job..<br>Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of [Redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-08-19): Lender exception with compensating factors. |  |  | 08/19/2024 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295976 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Buyer Comment (2024-09-11): Approve |  |  | 09/11/2024 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 550655922 |  |  |  | 33295977 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-08-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | 08/29/2024 |  | 1 A |  | TX | 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 |
|  | 550655922 |  |  |  | 33295978 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-08-29): Sufficient Cure Provided within [Redacted] Days of Closing |  | 08/29/2024 |  | 1 A |  | TX | 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 |
|  | 521248415 |  |  |  | 33295995 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not have a [Redacted] year history of being self-employed (guidelines require a minimum of [Redacted] years self-employment, borrower has been self-employed since [Redacted]) | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing (not gifts or DPA)<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-08-19): Lender Exception with Compensating Factors. |  |  | 08/19/2024 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 537297820 |  |  |  | 33295997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A Reinspection Fee of $[Redacted] was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-05): [Redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-09-04): PCCD and payment history reflecting PR uploaded. |  | 09/05/2024 |  | 2 C B |  | NY | 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 |
|  | 551702033 |  |  |  | 33295999 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2024-08-22): Exception cleared. Received FACTA Disclosure and updated correctly.<br>Buyer Comment (2024-08-21): Please see FACTA Credit Score Disclosure attached. | 08/22/2024 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 551702033 |  |  |  | 33296001 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reinspection Fee of $[Redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-06): [Redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-09-05): PCCD and payment history reflecting PR uploaded. |  | 09/06/2024 |  | 2 C B |  | NY | 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 |
|  | 549587930 |  |  |  | 33296018 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Initial Closing Disclosure issued on [Redacted] does not reflect a Credit Re-Issue fee. The revised Closing Disclosure issued on [Redacted] reflects a $[Redacted]Credit re-issue fee. The loan file does not contain evidence of a Changed Circumstance dated within three days of the issue of the Closing Disclosure adding the fee. The final signed and dated Closing Disclosure does not contain evidence of a Tolerance cure. |  |  |  | Reviewer Comment (2024-09-05): [Redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2024-09-04): PCCD and payment history reflecting PR uploaded. |  | 09/05/2024 |  | 2 C B |  | NY | 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 |
|  | 548676663 |  |  |  | 33296028 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-09-05): Document received to verify UCDP score and updated. Exception cleared.<br>Buyer Comment (2024-09-04): Appraisal review CU uploaded. | 09/05/2024 |  |  | 1 D A |  | NJ | Primary | Refinance - Cash-out - Home Improvement | D B A C | Non QM | Non QM | No |
|  | 548676663 |  |  |  | 33296030 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2024-09-24): Approve<br>Reviewer Comment (2024-09-24): [Redacted]exception. Initial appraisal delivery and post close final appraisal delivery received. [Redacted] exception can be waived upon reqquest.<br>Buyer Comment (2024-09-12): Please be specific. Are you requesting proof of delivery of revised appraisal? Proof initial appraisal delivered was uploaded with the initial appraisal.<br>Reviewer Comment (2024-09-10): Exception is asking for delivery of the [Redacted]report.<br>Buyer Comment (2024-09-05): Initial appraisal and proof of delivery uploaded. |  |  | 09/24/2024 | 2 B |  | NJ | Primary | Refinance - Cash-out - Home Improvement | D B A C | Non QM | Non QM | No |
|  | 548676663 |  |  |  | 33296031 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + 1.5%, 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]%.The file does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2024-09-24): Documents received, system cleared.<br>Buyer Comment (2024-09-12): Please be specific. Are you requesting proof of delivery of revised appraisal? Proof initial appraisal delivered was uploaded with the initial appraisal.<br>Reviewer Comment (2024-09-10): Exception is asking for delivery of the[Redacted]report.<br>Buyer Comment (2024-09-05): Initial appraisal and proof of delivery uploaded. | 09/24/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Home Improvement | D B A C | Non QM | Non QM | No |
|  | 548676663 |  |  |  | 33296032 |  | 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 valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-09-24): Documents received, system cleared.<br>Buyer Comment (2024-09-18): Please escalate to [Redacted]/[Redacted].<br>Reviewer Comment (2024-09-18): Provided appraisal delivery proof is dated [Redacted] which is after note date [Redacted]. Require appraisal delivery proof dated prior to the note date. Exception remains.<br>Buyer Comment (2024-09-16): Proof revised appraisal delivered to the borrower uploaded. Please note, it is acceptable to deliver the appraisal post note date. Please downgrade and waive.<br>Reviewer Comment (2024-09-13): Please provide proof of delivery for appraisal dated [Redacted], Exception remains.<br>Buyer Comment (2024-09-12): Please be specific. Are you requesting proof of delivery of revised appraisal? Proof initial appraisal delivered was uploaded with the initial appraisal.<br>Reviewer Comment (2024-09-09): Initial Appraisal received, however still required Proof of delivery. Exception remains.<br>Buyer Comment (2024-09-05): Initial appraisal and proof of delivery uploaded. | 09/24/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Home Improvement | D B A C | Non QM | Non QM | No |
|  | 548676663 |  |  |  | 33296034 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-17): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2024-09-16): PCCD and payment history reflecting PR uploaded. |  | 09/17/2024 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Home Improvement | 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 |
|  | 548676663 |  |  |  | 33296036 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2024-09-24): Approve<br>Reviewer Comment (2024-09-24): [Redacted] exception. Initial appraisal delivery and post close final appraisal delivery received. [Redacted] exception can be waived upon reqquest. |  |  | 09/24/2024 | 2 B |  | NJ | Primary | Refinance - Cash-out - Home Improvement | D B A C | Non QM | Non QM | No |
|  | 539287427 |  |  |  | 33296061 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | The Mortgage paid at closing was the same lender listed on the Note. The Right To Cancel was reflected on an H-8 form when it should have been placed on a H-9 form. |  |  |  | Buyer Comment (2024-09-05): accept |  |  | 09/05/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 539287427 |  |  |  | 33296063 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Appraisal reflects the subject property located within Rural area. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Total monthly payment savings of $[Redacted] or more per month | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-14): CF Update.<br>Reviewer Comment (2024-12-16): Total monthly payment savings of $[Redacted] or more per month<br>Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors. |  |  | 09/03/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 539287427 |  |  |  | 33296064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Provide VCC for the increase in the fee, or cure to the borrower with PC CD, and LOE. |  |  |  | Reviewer Comment (2024-09-16): [Redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-12): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | TX | 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 |
|  | 561692773 |  |  |  | 33296098 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Lender Exception in file approving residual income of $[Redacted] is less than the guideline requirement of $[Redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Borrower's own funds used for Down Payment and closing (No Gifts or DPA).<br>Borrower has been in the same industry for [Redacted]+ years.<br>FICO exceeds requirement by more than [Redacted] points.<br>Low housing ratio of [Redacted]% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-16): CF Update.<br>Buyer Comment (2024-09-04): Approve<br>Reviewer Comment (2024-08-29): Compensating factors for residual income < $[Redacted]. |  |  | 09/04/2024 | 2 B |  | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 561692773 |  |  |  | 33296102 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased from $[Redacted] to $[Redacted] without any valid changed circumstances, no cure was provided. |  |  |  | Reviewer Comment (2024-09-16): [Redacted] Received Corrected , PCCD, LOE and Payment history<br>Buyer Comment (2024-09-12): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | TN | 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 |
|  | 561692773 |  |  |  | 33296103 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business not operating for 2 years. | Borrower has been employed in the same industry 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 representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Borrower has been in the same industry for [Redacted]+ years.<br>Reserves exceed guidelines requirement by at least [Redacted] months.<br>Borrower's own funds used for Down Payment and closing (No Gifts or DPA).<br>FICO exceeds requirement by more than [Redacted] points.<br>Low housing ratio of [Redacted]% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-27): Lender Exception with Compensating Factors provided. |  |  | 01/27/2025 | 2 B |  | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 573533544 |  |  |  | 33296107 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reinspection Fee of $[Redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-19): [Redacted] received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2024-09-18): PCCD and payment history reflecting PR uploaded. |  | 09/19/2024 |  | 2 C B |  | NY | 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 |
|  | 573533544 |  |  |  | 33296108 |  | 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 ___. | LTV to [Redacted]% (Max LTV is [Redacted]% for a [Redacted] Unit Property). | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Residual Income greater than $[Redacted]. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-25): CF Update.<br>Reviewer Comment (2024-09-04): Lender Exception with Compensating Factors. |  |  | 09/04/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 573533544 |  |  |  | 33296109 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV to [Redacted]% (Max LTV is [Redacted]% for a [Redacted] Unit Property). | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Residual Income greater than $[Redacted]. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-25): CF Update.<br>Reviewer Comment (2024-09-04): Lender Exception with Compensating Factors. |  |  | 09/04/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 573533544 |  |  |  | 33296110 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | LTV to [Redacted]% (Max LTV/CLTV is [Redacted]% for a [Redacted] Unit Property). | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Residual Income greater than $[Redacted]. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-25): CF Update.<br>Reviewer Comment (2024-09-04): Lender Exception with Compensating Factors. |  |  | 09/04/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 573533544 |  |  |  | 33296111 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated and how long the business has been in existence. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Residual Income greater than $[Redacted]. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-11-25): CF Update.<br>Reviewer Comment (2024-09-26): Lender exception with compensating factors.<br>Buyer Comment (2024-09-24): \*Please note, exception approved for LOE regarding nature of business not signed or received by borrower/tax payer. CFs support the pc exception approval.<br>Reviewer Comment (2024-09-24): The lender correspondence in file is not prepared by the Borrower or Tax preparer in file as required by guidelines. Lender exception in file for LOE not being signed but guidelines state the LOE must be prepared by the Borrower or tax preparer.<br>Buyer Comment (2024-09-19): LOE and post consummation exception approval uploaded.<br>Reviewer Comment (2024-09-18): The provided LOE not describing the nature of business and signed document. Exception Remains.<br>Buyer Comment (2024-09-16): LOE describing nature of business uploaded. |  |  | 09/26/2024 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 573533544 |  |  |  | 33296112 |  | 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. | Borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-09-26): Exception provided, system cleared.<br>Buyer Comment (2024-09-24): \*Please note, exception approved for LOE regarding nature of business not signed or received by borrower/tax payer. CFs support the pc exception approval.<br>Reviewer Comment (2024-09-24): The lender correspondence in file is not prepared by the Borrower or Tax preparer in file as required by guidelines. Lender exception in file for LOE not being signed but guidelines state the LOE must be prepared by the Borrower or tax preparer.<br>Buyer Comment (2024-09-16): LOE uploaded. | 09/26/2024 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 573533544 |  |  |  | 33296113 |  | 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.) | Borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-09-26): Exception provided, system cleared.<br>Buyer Comment (2024-09-24): \*Please note, exception approved for LOE regarding nature of business not signed or received by borrower/tax payer. CFs support the pc exception approval.<br>Reviewer Comment (2024-09-24): The lender correspondence in file is not prepared by the Borrower or Tax preparer in file as required by guidelines. Lender exception in file for LOE not being signed but guidelines state the LOE must be prepared by the Borrower or tax preparer.<br>Buyer Comment (2024-09-16): LOE uploaded. | 09/26/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 573533544 |  |  |  | 33296114 |  | 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. | Borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-09-26): Exception provided, system cleared.<br>Buyer Comment (2024-09-24): \*Please note, exception approved for LOE regarding nature of business not signed or received by borrower/tax payer. CFs support the pc exception approval.<br>Reviewer Comment (2024-09-24): The lender correspondence in file is not prepared by the Borrower or Tax preparer in file as required by guidelines. Lender exception in file for LOE not being signed but guidelines state the LOE must be prepared by the Borrower or tax preparer.<br>Buyer Comment (2024-09-16): LOE uploaded. | 09/26/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 511206940 |  |  |  | 33296135 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Flood Certification Fee disclosed as $[Redacted] on LE dated [Redacted], but disclosed as $[Redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-19): [Redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-18): PCCD and payment history reflecting PR uploaded. |  | 09/19/2024 |  | 2 C B |  | UT | 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 |
|  | 511206940 |  |  |  | 33296136 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural Property | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | [Redacted]+ years on job.<br>Residual income > $[Redacted].<br>Qualifying ratios [Redacted]%/[Redacted]%.<br>Prior homeownership experience (No FC or Short Sale)<br>Excellent credit management with FICO [Redacted] + | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-10): Lender exception with compensating factors. |  |  | 09/10/2024 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 511206940 |  |  |  | 33296137 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive Overdrafts (Guidelines allow for [Redacted] in the past [Redacted] months, actual number of overdrafts is [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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | [Redacted]+ years on job.<br>Residual income > $[Redacted].<br>Qualifying ratios [Redacted]%/[Redacted]%.<br>Prior homeownership experience (No FC or Short Sale)<br>Excellent credit management with FICO [Redacted] + | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-10): Lender exception with compensating factors. |  |  | 09/10/2024 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 511206940 |  |  |  | 33296138 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Rural Property and Excessive Overdrafts (Guidelines allow for [Redacted] in the past [Redacted] months, actual number of overdrafts is [Redacted]) and loan file does not document a full [Redacted] month housing history. \*\*\*\*Updated [Redacted]- [Redacted] month history not required. | 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>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | [Redacted]+ years on job.<br>Residual income > $[Redacted].<br>Qualifying ratios [Redacted]%/[Redacted]%.<br>Prior homeownership experience (No FC or Short Sale)<br>Excellent credit management with FICO [Redacted] + | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-16): Response regarding housing history. |  |  | 09/18/2024 | 2 C B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 556965668 |  |  |  | 33296149 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business has been in existence for less than [Redacted] years (Guidelines require a minimum of [Redacted] years, business was formed [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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Borrower's own funds for down payment & closing (No gifts for DPA).<br>Reserves exceed guidelines by at least [Redacted] months. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-09-10): Lender exception with compensating factors. |  |  | 09/10/2024 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 556965668 |  |  |  | 33296150 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business has been in existence for less than [Redacted] years (Guidelines require a minimum of [Redacted] years, business was formed [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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Borrower's own funds for down payment & closing (No gifts for DPA).<br>Reserves exceed guidelines by at least [Redacted] months. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-09-10): Lender exception with compensating factors. |  |  | 09/10/2024 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 556965668 |  |  |  | 33296151 |  | 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. | Business has been in existence for less than [Redacted] years (Guidelines require a minimum of [Redacted] years, business was formed [Redacted]). |  |  |  | Reviewer Comment (2024-09-10): Lender exception with compensating factors, system cleared. | 09/10/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 556965668 |  |  |  | 33296152 |  | 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.) | Business has been in existence for less than [Redacted] years (Guidelines require a minimum of [Redacted] years, business was formed [Redacted]). |  |  |  | Reviewer Comment (2024-09-10): Lender exception with compensating factors, system cleared. | 09/10/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 556965668 |  |  |  | 33296153 |  | 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. | Business has been in existence for less than [Redacted] years (Guidelines require a minimum of [Redacted] years, business was formed [Redacted]). |  |  |  | Reviewer Comment (2024-09-10): Lender exception with compensating factors, system cleared. | 09/10/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 556965668 |  |  |  | 33296154 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2024-09-24): Fraud report provided with cleared alerts, exception cleared.<br>Buyer Comment (2024-09-13): Fraud Report uploaded. | 09/24/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 501345788 |  |  |  | 33296183 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-06): Sufficient Cure Provided At Closing |  | 09/06/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 501345788 |  |  |  | 33296184 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation (Report Dated [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2024-10-04): Approve<br>Reviewer Comment (2024-10-02): Post close delivery of appraisal provided. Exception remains an [Redacted].<br>Buyer Comment (2024-09-27): Appraisal proof of delivery uploaded. |  |  | 10/04/2024 | 2 B |  | MD | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
|  | 501345788 |  |  |  | 33296185 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-10): Sufficient Cure Provided At Closing |  | 09/10/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 504320645 |  |  |  | 33296198 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The FACTA Disclosure were not located within the loan file. |  |  |  | Reviewer Comment (2024-10-07): Exception cleared - Received FACTA Disclosure in file and associated in clarity.<br>Buyer Comment (2024-10-04): attached | 10/07/2024 |  |  | 1 B A |  | RI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504320645 |  |  |  | 33296199 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. | Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  | Reviewer Comment (2024-10-22): Documents received, system cleared.<br>Buyer Comment (2024-10-16): Both were provided and are now in the binder on pages [Redacted]/[Redacted]and [Redacted]/[Redacted].<br>Reviewer Comment (2024-10-10): Received one of the RI disclosures however, additional RI prohibited acts and practices regarding home loans disclosure not found in upload.<br>Buyer Comment (2024-10-04): attached. | 10/22/2024 |  |  | 1 C A |  | RI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504320645 |  |  |  | 33296201 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | The Rhode Island Application Disclosure was not located within the loan file. |  |  |  | Reviewer Comment (2024-10-10): Disclosure provided, exception cleared.<br>Buyer Comment (2024-10-04): attached | 10/10/2024 |  |  | 1 C A |  | RI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504320645 |  |  |  | 33296202 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | [Redacted] Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. | The Rhode Island High Cost Analysis Disclosure was not located within the loan file. |  |  |  | Reviewer Comment (2024-10-22): Documents received, system cleared. | 10/22/2024 |  |  | 1 A |  | RI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 532039336 |  |  |  | 33296206 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2024-09-23): Hazard insurance provided is effective on loan disbursement date therefore exception cleared.<br>Buyer Comment (2024-09-20): Final SS reflecting disbursement date [Redacted] same day as effective date. | 09/23/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 589224342 |  |  |  | 33296207 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-09-23): Final title provided exception cleared. | 09/23/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 589224342 |  |  |  | 33296208 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-09-23): Final title provided exception cleared.<br>Buyer Comment (2024-09-20): Final title policy uploaded. | 09/23/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 589224342 |  |  |  | 33296209 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. |  | FICO score is not available for borrower. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix<br>Excellent Credit Management with FICO [Redacted]+<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-27): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-09-25): Post Consummation Exception Approval uploaded. |  |  | 09/27/2024 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 589224342 |  |  |  | 33296211 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Final Closing Disclosure Property Costs Year 1 Underdisclosed - [Redacted] |  |  |  | Reviewer Comment (2024-09-23): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-09-20): PCCD uploaded reflecting correct non-escrowed total. |  | 09/23/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 589224342 |  |  |  | 33296212 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-09-25): [Redacted]received valid COC dated [Redacted]<br>Buyer Comment (2024-09-24): Disclosure tracking details reflecting VCOC uploaded. | 09/25/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 589224342 |  |  |  | 33296213 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | RTC signed by co-borrowers is missing in file. |  |  |  | Reviewer Comment (2025-01-31): [Redacted] received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form for non-occupant co-borrowers. [Redacted] received confirmation from non-occupant co-borrower ([Redacted]) that she does not wish to cancel.<br>Buyer Comment (2025-01-29): Borrower response regarding not wishing to cancel uploaded.<br>Reviewer Comment (2025-01-16): Given the elevated risk of a potentially voided loan, we would not accept an LOE/attestation from the lender without additionally obtaining an LOE/attestation from the consumer.<br>Reviewer Comment (2024-11-25): We can accept an LOE/attestation from the consumer ([Redacted]) indicating the signature on the "I wish to cancel" line was an error and they did not intend to cancel the transaction. This will allow us to effectively disregard the error and not consider the transaction void.<br>Buyer Comment (2024-11-13): Please note, borrower crossed out and initialed on the line and should be acceptable.<br>Reviewer Comment (2024-11-07): Borrower signed on the "I wish to cancel" line. An attestation/LOE from Borrower would be required if this was done in error.<br>Buyer Comment (2024-10-23): NORTC executed, LOE and proof of delivery uploaded.<br>Reviewer Comment (2024-09-25): Under the rescission rules of [Redacted](a), "…each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction…". The commentary under [Redacted](a)([Redacted]) further clarifies the term consumer: "To be a consumer within the meaning of §[Redacted], that person must at least have an ownership interest in the dwelling that is encumbered by the creditor's security interest, although that person need not be a signatory to the credit agreement. For example, if only one spouse signs a credit contract, the other spouse is a consumer if the ownership interest of that spouse is subject to the security interest."<br>Even though it is not the co-borrower's primary residence, they still have an ownership interest and are required to have the right to rescind. The commentary to [Redacted](a) states that each consumer with ownership interest will have the right to rescind (without conditioning that every consumer with ownership interest must also reside in the subject property in order to have rescission rights).<br>Please provide the following for each of the co-borrowers: Letter of Explanation, Proof of Delivery, and Re-open Rescission.<br>Buyer Comment (2024-09-20): Please see compliance response regarding NORTC. Please escalate to XXX and compliance team. |  | 01/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 589224342 |  |  |  | 33296214 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Estimated escrow details on Final Closing Disclosure provided on [Redacted] does not match with the actual payment. |  |  |  | Reviewer Comment (2024-09-23): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-09-20): PCCD uploaded reflecting correct non-escrowed total. |  | 09/23/2024 |  | 2 C B |  | CA | 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 |
|  | 589224342 |  |  |  | 33296215 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. | Estimated Property cost over year 1 is missing on Final Closing Disclosure provided on [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-09-20): PCCD uploaded reflecting correct non-escrowed total. |  | 09/23/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 589224342 |  |  |  | 33296216 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] missing the details of reason for not having Escrow account. |  |  |  | Reviewer Comment (2024-09-23): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-09-20): PCCD uploaded reflecting correct non-escrowed total. |  | 09/23/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 581350124 |  |  |  | 33296225 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Disbursement date listed on the Closing Disclosure is [Redacted]. The effective date listed on the Hazard Insurance Policy is [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Exception Cleared - Received Hazard Insurance policy with effective date prior to note date associated the same and data updated as per provided document.<br>Buyer Comment (2024-09-20): Attached. | 09/23/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 581350124 |  |  |  | 33296228 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: 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. | [Redacted]% tolerance was exceeded by $[Redacted] due to Increase in Title Fees. No valid COC provided, Specific credit of $[Redacted] has been provided as cure at closing. |  |  |  | Reviewer Comment (2024-09-10): Sufficient Cure Provided within [Redacted]Days of Closing |  | 09/10/2024 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
|  | 581044781 |  |  |  | 33296233 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points. on closing disclosure is $[Redacted] and on loan estimate $[Redacted] . No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2024-09-26): [Redacted]received valid COC dated [Redacted].<br>Buyer Comment (2024-09-24): Disclosure tracking details reflecting VCOC uploaded. | 09/26/2024 |  |  | 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 A | Non QM | Non QM | Yes |
|  | 526853427 |  |  |  | 33296237 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-09-30): Final title received and coverage amount updated from final title. Exception cleared | 09/30/2024 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 526853427 |  |  |  | 33296238 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided |  |  |  | Reviewer Comment (2024-09-30): coverage amount updated from final title. Exception cleared<br>Buyer Comment (2024-09-27): Final title policy uploaded. | 09/30/2024 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 526853427 |  |  |  | 33296239 |  | 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 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 (2024-09-26): Preliminary Appraisal was delivered on[Redacted] and revised appraisal was sent post close, exeption cleared.<br>Buyer Comment (2024-09-24): Appraisal proof of delivery uploaded. | 09/26/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 526853427 |  |  |  | 33296241 |  | 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 valuation (Appraisal Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-09-26): Preliminary Appraisal was delivered on [Redacted] and revised appraisal was sent post close, exception cleared.<br>Buyer Comment (2024-09-24): Appraisal proof of delivery uploaded. | 09/26/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 526853427 |  |  |  | 33296243 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2024-10-07): [Redacted] received PCCD, LOE, copy of refund check, and proof of mailing.<br>Buyer Comment (2024-10-07): Final SS uploaded.<br>Reviewer Comment (2024-10-04): Please provide ALTA final settlement statement to confirm final CD/PCCD and distribution amounts.<br>Buyer Comment (2024-10-04): Proof cure check cashed uploaded.<br>Reviewer Comment (2024-09-30): FSS required to verify fee amount changes on [Redacted] PCCD.<br>Buyer Comment (2024-09-30): Reviewer to respond as to why a signed ALTA settlement statement is required? A cure check was issued and delivered to the borrower.<br>Reviewer Comment (2024-09-30): Please provide copy of final stamped, signed ALTA settlement statement for review.<br>Buyer Comment (2024-09-27): Proof cure check issued and delivered uploaded. |  | 10/07/2024 |  | 2 C B |  | CA | Primary | Purchase | 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 |
|  | 526853427 |  |  |  | 33296244 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2024-10-07): [Redacted] received PCCD, LOE, copy of refund check, and proof of mailing.<br>Buyer Comment (2024-10-07): Final SS uploaded.<br>Reviewer Comment (2024-10-04): Please provide ALTA final settlement statement to confirm final CD/PCCD and distribution amounts.<br>Buyer Comment (2024-10-04): Proof cure check cashed uploaded.<br>Reviewer Comment (2024-09-30): FSS required to verify fee amount changes on [Redacted] PCCD.<br>Buyer Comment (2024-09-30): Reviewer to respond as to why a signed ALTA settlement statement is required? A cure check was issued and delivered to the borrower.<br>Reviewer Comment (2024-09-30): Please provide copy of final stamped, signed ALTA settlement statement for review.<br>Buyer Comment (2024-09-27): Proof cure check issued and delivered uploaded. |  | 10/07/2024 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 526853427 |  |  |  | 33296246 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[Redacted] on LE dated [Redacted]on LE dated [Redacted], but disclosed as $[Redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-26): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-25): PCCD and payment history reflecting PR uploaded. |  | 09/26/2024 |  | 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 |
|  | 526853427 |  |  |  | 33296247 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reinspection Fee of $[Redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-26): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-25): PCCD and payment history reflecting PR uploaded. |  | 09/26/2024 |  | 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 |
|  | 526853427 |  |  |  | 33296248 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | HOA Dues of $[Redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-26): [Redacted]received post CD and LOX by moving HOA dues to section [Redacted]<br>Buyer Comment (2024-09-25): PCCD reflecting HOA Dues property located in Section H and no cure required. | 09/26/2024 |  |  | 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 |
|  | 526853427 |  |  |  | 33296250 |  | 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 revised valuation to applicant three (3) business days prior to consummation. | Appraisal Report Date [Redacted]was not provided three (3) business days prior to consummation and was sent to borrower on [Redacted]. |  |  |  | Buyer Comment (2024-09-26): Approve |  |  | 09/26/2024 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531383300 |  |  |  | 33296261 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Collections and unsecured charge-offs < [Redacted] months old may not exceed a maximum cumulative balance of $[Redacted]. Collections and charge-off balances exceeding the amounts listed above must be paid in full. Per the credit supplement, the [Redacted] Acceptance CO charge-off had a last payment date of [Redacted] which is < [Redacted] months and the balance was $[Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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>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.<br>Miscellaneous<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Residual income > $[Redacted].<br>Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-01-30): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-10-04): Lender exception with compensating factors.<br>Buyer Comment (2024-09-30): Post Consummation Exception Approval uploaded. |  |  | 10/04/2024 | 2 B |  | CA | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
|  | 541052421 |  |  |  | 33296263 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The lender credit decreased from $-[Redacted] to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-11-04): [Redacted]received valid COC document.<br>Buyer Comment (2024-11-01): Disclosure tracking reasons reflecting VCOC uploaded. | 11/04/2024 |  |  | 1 C A |  | NY | 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 |
|  | 541052421 |  |  |  | 33296265 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-11-26): [Redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-11-26): PCCD, LOE and payment history reflecting PR uploaded.<br>Reviewer Comment (2024-11-22): Final ALTA Settlement statement was not located in current loan file. [Redacted]requires the FASS to compare fee amounts. CDs in loan file do not support [Redacted] statement from seller that indicate recording fees of $[Redacted]. All CD's indicate recording fees at $[Redacted]. Please provide complete PCCD showing correct amounts and Signed Final ALTA statement to confirm fee amounts actually charged to borrower as consummation was completed more than 60 days ago. If any curavative action is required upon receipt of these documents only [Redacted] days remain to complete them.<br>Buyer Comment (2024-11-22): Please see true and certified closing disclosure.<br>Reviewer Comment (2024-11-13): [Redacted] received rebuttal, however no true and certified copy of final settlement statement received. Please provide certified copy of final settlement statement to re-evaluate the exception.<br>Buyer Comment (2024-11-12): Final SS uploaded.<br>Reviewer Comment (2024-11-06): [Redacted] received corrected PCCD and LOE updating the recording fee and transfer tax. Please provide ALTA final SS to finalize the fees charged to borrower at closing.<br>Buyer Comment (2024-11-05): PCCD uploaded reflecting transfer taxes correctly placed in Section [Redacted] lines[Redacted] and [Redacted] Initial LE disclosed transfer taxes as $[Redacted]and borrower was charged $[Redacted], no cure required. Recording fee is the only fee subject to [Redacted]% and no cure required as initial LE disclosed recording fee $[Redacted]and borrower only charged $[Redacted]. |  | 11/26/2024 |  | 2 C B |  | NY | 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 |
|  | 541052421 |  |  |  | 33296266 |  | 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 ___. | Max LTV on a [Redacted] unit property is [Redacted]%. Subject loan is [Redacted]% LTV. | 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>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 $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Residual income is >$[Redacted].<br>Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-30): Lender exception with compensating factors. |  |  | 09/30/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 541052421 |  |  |  | 33296267 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV on a [Redacted] unit property is [Redacted]%. Subject loan is [Redacted]% LTV. | 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>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 $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Residual income is >$[Redacted].<br>Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-30): Lender exception with compensating factors. |  |  | 09/30/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 541052421 |  |  |  | 33296268 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2024-10-11): Report provided with alerts cleared.<br>Buyer Comment (2024-10-07): Fraud guard uploaded. | 10/11/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 536317147 |  |  |  | 33296271 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement not provided. |  |  |  | Reviewer Comment (2024-10-09): Received E-sign Consent Agreement. Exception Cleared.<br>Buyer Comment (2024-10-08): eConsent uploaded. | 10/09/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 539339230 |  |  |  | 33296297 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Buyer Comment (2024-10-11): Approve<br>Reviewer Comment (2024-10-10): The document provided was dated [Redacted], same date as Note date.<br>Buyer Comment (2024-10-04): Disclosure uploaded. |  |  | 10/11/2024 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 539339230 |  |  |  | 33296299 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Right to receive a copy of the Appraisal Disclosure was not provided within 3 days of application. |  |  |  | Buyer Comment (2024-10-04): Approve |  |  | 10/04/2024 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 539339230 |  |  |  | 33296301 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was not provided within 3 business days of application. |  |  |  | Reviewer Comment (2024-10-07): [Redacted]received proof of receipt.<br>Buyer Comment (2024-10-04): Disclosure tracking details initial LE uploaded. | 10/07/2024 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 539339230 |  |  |  | 33296302 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing statement verifying source of funds/transfer of $[Redacted] earnest money deposit. |  |  |  | Reviewer Comment (2024-10-10): Wire Confirmation shows payment received from borrower [Redacted] and sent to title company . Exception cleared<br>Buyer Comment (2024-10-08): Please note, the bank statement is not required. We have [Redacted] months bank statements dated prior to [Redacted] wire and sufficient verified assets with the bank statements.<br>Reviewer Comment (2024-10-08): Please provided bank statement to verify $[Redacted]. - Exception remains.<br>Buyer Comment (2024-10-07): Wire details on page [Redacted]uploaded. | 10/10/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296316 |  | 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 ___. | Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. [Redacted]% LTV Exception | Borrower has owned the subject property for at least [Redacted] years.<br>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.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [Redacted]/[Redacted] or less<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-07): Lender Exception with Compensating Factors provided. |  |  | 10/07/2024 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296317 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of [Redacted]%. [Redacted]% LTV Exception. | Borrower has owned the subject property for at least [Redacted] years.<br>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.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [Redacted]/[Redacted] or less<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-07): Lender Exception with Compensating Factors provided. |  |  | 10/07/2024 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296318 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. [Redacted]% LTV Exception | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [Redacted]/[Redacted] or less<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-07): Lender Exception with Compensating Factors provided. |  |  | 10/07/2024 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296319 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient assets to met reserves requirement. |  |  |  | Reviewer Comment (2024-10-10): Exception cleared. Received Appraisal Invoice paid by borrower by CC and updated correctly.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are acceptable. Cash out proceeds per PCCD [Redacted]$[Redacted]. Reserves = [Redacted]months and meets guideline requirements. | 10/10/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296320 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets to met reserves requirement. |  |  |  | Reviewer Comment (2024-10-10): Exception cleared. Received Appraisal Invoice paid by borrower by CC and updated correctly.<br>Buyer Comment (2024-10-09): Appraisal invoice reflecting paid with a cc.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are acceptable. Cash out proceeds per PCCD [Redacted] $[Redacted]. Reserves = [Redacted] months and meets guideline requirements. | 10/10/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296321 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets to met reserves requirement. |  |  |  | Reviewer Comment (2024-10-17): Documentation provided. System Cleared.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are acceptable. Cash out proceeds per PCCD [Redacted]$[Redacted]. Reserves = [Redacted]months and meets guideline requirements. Appraisal invoice uploaded reflecting paid with cc and should not be excluded from assets. | 10/17/2024 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 528886967 |  |  |  | 33296322 |  | 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. | Insufficient assets to met reserves requirement. |  |  |  | Reviewer Comment (2024-10-17): Documentation provided. System Cleared.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are acceptable. Cash out proceeds per PCCD [Redacted] $[Redacted]. Reserves = [Redacted]months and meets guideline requirements. Appraisal invoice uploaded reflecting paid with cc and should not be excluded from assets. | 10/17/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 528886967 |  |  |  | 33296323 |  | 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.) | Insufficient assets to met reserves requirement. |  |  |  | Reviewer Comment (2024-10-17): Documentation provided. System Cleared.<br>Buyer Comment (2024-10-09): Please note, cash out proceeds are acceptable. Cash out proceeds per PCCD [Redacted] $[Redacted]. Reserves = [Redacted]months and meets guideline requirements. Appraisal invoice uploaded reflecting paid with cc and should not be excluded from assets. | 10/17/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 549420716 |  |  |  | 33296328 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three business days of application. |  |  |  | Reviewer Comment (2024-10-22): Documentation provided. System Cleared.<br>Buyer Comment (2024-10-17): Disclosure uploaded. | 10/22/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 549420716 |  |  |  | 33296329 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on |  |  |  | Reviewer Comment (2024-10-24): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-10-23): PCCD, LOE, proof of delivery, cure check and re-executed NORTC uploaded. |  | 10/24/2024 |  | 2 C B |  | CA | 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 |
|  | 549420716 |  |  |  | 33296330 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Primary residence refinance and Calculated Finance Charge exceeds disclosed Finance Charge by more than $[Redacted]; Primary residence purchase and Calculated Finance Charge exceeds disclosed Finance Charge by more than $[Redacted]. |  |  |  | Reviewer Comment (2024-10-24): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-10-23): PCCD, LOE, proof of delivery, cure check and re-executed NORTC uploaded. |  | 10/24/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 564210249 |  |  |  | 33296366 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are under disclosed. |  |  |  | Reviewer Comment (2024-10-23): [Redacted]Received Corrected PCCD and LOE.<br>Buyer Comment (2024-10-21): Please see PCCD showing Non escrow property cost over [Redacted] yr charges |  | 10/23/2024 |  | 2 C B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 564210249 |  |  |  | 33296369 |  | 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 PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [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 $[Redacted].<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Residual income >$[Redacted].<br>Low housing ration of [Redacted]% or less.<br>Prior homeownership experience (No FC or Short Sale).<br>Excellent credit management with FICO [Redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-11-11): Lender exception with compensating factors.<br>Buyer Comment (2024-11-04): Please see a PC exception has been approved for not meeting the cash reserves required.<br>Reviewer Comment (2024-10-22): As of [Redacted], the balance is $[Redacted], $[Redacted]was available on [Redacted]. Exception remains.<br>Buyer Comment (2024-10-21): Please see the most recent bank statement from acct # [Redacted]an ending balance of $[Redacted]. |  |  | 11/11/2024 | 2 C B |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564210249 |  |  |  | 33296370 |  | 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 (2024-11-11): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2024-11-04): Please see a PC exception has been approved for not meeting the cash reserves required.<br>Reviewer Comment (2024-10-22): As of [Redacted], the balance is $[Redacted], $[Redacted]was available on [Redacted]. Exception remains.<br>Buyer Comment (2024-10-21): Please see the most recent bank statement from acct # [Redacted]an ending balance of $[Redacted]. | 11/11/2024 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 564210249 |  |  |  | 33296371 |  | 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 be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-11-11): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2024-11-04): Please see a PC exception has been approved for not meeting the cash reserves required.<br>Reviewer Comment (2024-10-22): As of [Redacted], the balance is $[Redacted], $[Redacted]was available on [Redacted]. Exception remains.<br>Buyer Comment (2024-10-21): Please see the most recent bank statement from acct # [Redacted]an ending balance of $[Redacted]. | 11/11/2024 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 587798008 |  |  |  | 33296383 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: 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. |  |  |  | Reviewer Comment (2024-10-25): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-10-24): Please see PCCD and Pymt History attached showing a cure for $[Redacted] due to increase in Credit report fee. |  | 10/25/2024 |  | 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 |
|  | 599621802 |  |  |  | 33296407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2024-11-19): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Buyer Comment (2024-11-18): PCCD, LOE, cure check and proof of delivery uploaded. |  | 11/19/2024 |  | 2 C B |  | MO | Primary | Purchase | 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 |
|  | 599621802 |  |  |  | 33296408 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 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 |  |  |  | Reviewer Comment (2024-11-19): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Buyer Comment (2024-11-18): PCCD, LOE, cure check and proof of delivery uploaded. |  | 11/19/2024 |  | 2 C B |  | MO | 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 if Applicable B | Non QM | Non QM | Yes |
|  | 599621802 |  |  |  | 33296410 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property type (rural) not allowed per guidelines. | 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>Miscellaneous<br>Miscellaneous | Residual income > $[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or DPA).<br>Low housing ratio of [Redacted]% or less.<br>Prior homeownership experience (No gifts or DPA). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-25): Lender exception with compensating factors. |  |  | 10/25/2024 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 599621802 |  |  |  | 33296411 |  | 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. | The loan file is missing an additional bank statement for account ending [Redacted] that was used for closing/reserves. |  |  |  | Reviewer Comment (2024-10-31): Exception cleared - Received[Redacted] months of bank statement for the account [Redacted].<br>Buyer Comment (2024-10-31): Please see image [Redacted], pages [Redacted]- [Redacted]and page [Redacted]reflecting [Redacted]months statements. | 10/31/2024 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 599621802 |  |  |  | 33296412 |  | 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.) | The loan file is missing an additional bank statement for account ending [Redacted] that was used for closing/reserves. |  |  |  | Reviewer Comment (2024-10-31): Exception cleared - Received [Redacted]months of bank statement for the account [Redacted].<br>Buyer Comment (2024-10-31): Please see image [Redacted], pages [Redacted]- [Redacted]and page [Redacted]reflecting [Redacted]months statements. | 10/31/2024 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 599621802 |  |  |  | 33296413 |  | 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. | The loan file is missing an additional bank statement for account ending [Redacted] that was used for closing/reserves. |  |  |  | Reviewer Comment (2024-10-31): Exception cleared - Received [Redacted]months of bank statement for the account [Redacted].<br>Buyer Comment (2024-10-31): Please see image [Redacted], pages [Redacted]- [Redacted]and page [Redacted]reflecting [Redacted]months statements. | 10/31/2024 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 599621802 |  |  |  | 33296414 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file is missing an additional bank statement for account ending [Redacted] that was used for closing/reserves. |  |  |  | Reviewer Comment (2024-10-31): Exception cleared - Received [Redacted] months of bank statement for the account [Redacted].<br>Buyer Comment (2024-10-31): Please see image [Redacted], pages [Redacted]- [Redacted]and page [Redacted]reflecting [Redacted]months statements. | 10/31/2024 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 599621802 |  |  |  | 33296415 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The loan file is missing an additional bank statement for account ending [Redacted] that was used for closing/reserves. |  |  |  | Reviewer Comment (2024-10-31): Exception cleared - Received [Redacted]months of bank statement for the account [Redacted].<br>Buyer Comment (2024-10-31): Please see image [Redacted], pages [Redacted]- [Redacted]and page [Redacted]reflecting [Redacted]months statements. | 10/31/2024 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582808259 |  |  |  | 33296422 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing costs(no gifts or DPA) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors. |  |  | 10/23/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582808259 |  |  |  | 33296424 |  | 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. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. |  |  |  | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors, system cleared | 10/23/2024 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 582808259 |  |  |  | 33296425 |  | 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. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. |  |  |  | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors, system cleared | 10/23/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582808259 |  |  |  | 33296426 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) |  | 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing costs(no gifts or DPA) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors |  |  | 10/23/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582808259 |  |  |  | 33296428 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing costs(no gifts or DPA) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors. |  |  | 10/23/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582808259 |  |  |  | 33296429 |  | 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.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. |  |  |  | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors, system cleared | 10/23/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507868102 |  |  |  | 33296432 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2024-10-31): Approve |  |  | 10/31/2024 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507868102 |  |  |  | 33296434 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient cure is required. |  |  |  | Reviewer Comment (2024-11-04): [Redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-10-31): PCCD and payment history reflecting PR uploaded. |  | 11/04/2024 |  | 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 |
|  | 507868102 |  |  |  | 33296436 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-04): Sufficient Cure Provided within [Redacted]Days of Closing |  | 11/04/2024 |  | 1 A |  | TX | 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 |
|  | 561672187 |  |  |  | 33296438 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  | Reviewer Comment (2024-11-26): Documents received, system cleared.<br>Buyer Comment (2024-11-12): both pages of disc tracking including facta disclosure delivery uploaded<br>Reviewer Comment (2024-11-11): Missing second page of disclosure tracking to reflect document was sent to Borrower.<br>Buyer Comment (2024-11-08): disclosure tracking supporting delivery and receipt date and fair credit report act disc uploaded<br>Buyer Comment (2024-11-05): signed facta disclosure uploaded | 11/26/2024 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 525181598 |  |  |  | 33296457 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-11-11): Dwelling coverage amount covering the loan amount. Exception cleared.<br>Buyer Comment (2024-11-06): subject hazard policy, minimum coverage requirements (loan amount) and use of existing policy guidelines uploaded | 11/11/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
|  | 558741905 |  |  |  | 33296465 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Received Security Instrument - Subject Lien in initial package 1 page is missing. Required complete Security Instrument. |  |  |  | Reviewer Comment (2024-11-15): Exception Cleared - Received Security Instrument with all pages associated the same.<br>Buyer Comment (2024-11-14): All pages of DOT including legal description uploaded | 11/15/2024 |  |  | 1 D A |  | MD | Primary | Purchase | D A B | Non QM | Non QM | No |
|  | 558741905 |  |  |  | 33296468 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2025-04-16): Evidence of delivery was in loan file, sample form provided.<br>Buyer Comment (2024-11-26): Approve<br>Reviewer Comment (2024-11-25): Disclosure provided does not reflect required terms: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.<br>Buyer Comment (2024-11-14): non-prime and near-prime disclosure uploaded | 04/16/2025 |  |  | 1 B A |  | MD | Primary | Purchase | D A B | Non QM | Non QM | No |
|  | 558741905 |  |  |  | 33296469 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland 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 (2025-04-16): Evidence of delivery was in loan file, sample form provided.<br>Buyer Comment (2024-11-27): accept<br>Reviewer Comment (2024-11-25): Disclosure provided does not reflect required terms: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.<br>Buyer Comment (2024-11-15): non-prime disclosure uploaded | 04/16/2025 |  |  | 1 B A |  | MD | Primary | Purchase | D A B | Non QM | Non QM | No |
|  | 558741905 |  |  |  | 33296471 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided and no valid COC provided. |  |  |  | Reviewer Comment (2024-11-08): Sufficient Cure Provided At Closing |  | 11/08/2024 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A B | Non QM | Non QM | Yes |
|  | 515772049 |  |  |  | 33296474 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Borrower not provided Right Not To Close Disclosure. |  |  |  | Reviewer Comment (2024-12-02): Disclosure provided, system cleared.<br>Buyer Comment (2024-11-18): signed form uploaded | 12/02/2024 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 515772049 |  |  |  | 33296475 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-10-30): Sufficient Cure Provided within [Redacted]Days of Closing |  | 10/30/2024 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | 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 |
|  | 575335516 |  |  |  | 33296480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The transfer fax fee increased from $[Redacted] to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-12-05): [Redacted]received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2024-12-04): PCCD and payment history reflecting PR uploaded. |  | 12/05/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 575335516 |  |  |  | 33296481 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The approval in file is not for the subject loan. |  |  |  | Reviewer Comment (2024-11-29): Approval document received and associated. Exception Cleared.<br>Buyer Comment (2024-11-27): Loan approval uploaded. | 11/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296482 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease amounts were used in income calculation. The lease agreements are not located within the loan file for properties [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2024-11-29): Exception cleared. Received lease agreements and updated correctly.<br>Buyer Comment (2024-11-27): Leases for requested properties attached. | 11/29/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296484 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-11-29): Exception cleared. Received lease agreements for REO Properties and updated correctly.<br>Buyer Comment (2024-11-27): Please see finding [Redacted]. | 11/29/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296486 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-12-12): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-11-27): Please see finding [Redacted]. | 12/12/2024 |  |  | 1 B A C |  | WI | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 559742764 |  |  |  | 33296487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([Redacted]% Method) using reasonably reliable third-party records. | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-12-12): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-11-27): Please see finding [Redacted]. | 12/12/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296488 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([Redacted]% Method) using reasonably reliable third-party records. | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-12-12): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-11-27): Please see finding [Redacted]. | 12/12/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296490 |  | 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.) | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-12-12): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-11-27): Please see finding [Redacted]. | 12/12/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296491 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-12-12): System cleared after Lender Exception with Compensating Factors provided. | 12/12/2024 |  |  | 1 A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559742764 |  |  |  | 33296492 |  | 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. | The Borrower owns two investment properties and rents were used to off set the PITIA. The Lease agreements were not located within the loan file. |  |  |  | Reviewer Comment (2024-12-12): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2024-11-27): Please see finding [Redacted]. | 12/12/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504888235 |  |  |  | 33296510 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report Re-Issue fee was added on Closing Disclosure issued on [Redacted] and the loan file does not contain evidence of a Changed Circumstance or Tolerance Cure to Borrower. |  |  |  | Reviewer Comment (2024-11-13): [Redacted] Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2024-11-12): Updated closing disclosure, cover letter and cure provided |  | 11/13/2024 |  | 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 |
|  | 504888235 |  |  |  | 33296513 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-13): Sufficient Cure Provided within [Redacted]Days of Closing |  | 11/13/2024 |  | 1 A |  | TX | 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 |
|  | 556792214 |  |  |  | 33296515 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Current LLC in existence less than [Redacted] years. | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [Redacted]/[Redacted] or less.<br>Borrower's own funds used for down payment and closing costs (no gifts or DPA).<br>Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-28): CF Update.<br>Reviewer Comment (2024-11-05): Lender Exception with Compensating Factors. |  |  | 11/05/2024 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 515014791 |  |  |  | 33296519 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure is missing. |  |  |  | Reviewer Comment (2024-11-15): Exception cleared. Received FACTA Disclosure and updated correctly.<br>Buyer Comment (2024-11-14): FACTA disclosure uploaded. | 11/15/2024 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 597344264 |  |  |  | 33296524 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Title - Endorsement Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-11-04): Sufficient Cure Provided At Closing |  | 11/04/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 597344264 |  |  |  | 33296525 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The Final CD is not signed by the Borrower. |  |  |  | Reviewer Comment (2024-12-10): Material disclosures received on [Redacted]<br>Buyer Comment (2024-11-26): Consummation CD uploaded.<br>Reviewer Comment (2024-11-25): The final CD is not signed by the Borrower to reflect transaction date.<br>Buyer Comment (2024-11-13): Please note, rescission expires on [Redacted] and loan disbursed on [Redacted]after the [Redacted]day waiting period. Exception is invalid. | 12/10/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 597344264 |  |  |  | 33296526 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The Final CD is not signed by the Borrower. |  |  |  | Reviewer Comment (2024-12-10): Material disclosures received on [Redacted]<br>Buyer Comment (2024-11-26): Consummation CD uploaded.<br>Reviewer Comment (2024-11-25): The final CD is not signed by the Borrower to reflect transaction date.<br>Buyer Comment (2024-11-13): Please note, rescission expires on [Redacted] and loan disbursed on [Redacted] after the three day waiting period. Exception is invalid. | 12/10/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 583529659 |  |  |  | 33296545 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-06): Sufficient Cure Provided At Closing |  | 11/06/2024 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 583529659 |  |  |  | 33296546 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Lender granted exception approved due to Unverifiable housing for the primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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 qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Substantial Cash Reserves<br>Borrower's own funds used for Down Payment & Closing (No gifts or DPA)<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-08): Lender granted exception approval with compensating factors in loan file. |  |  | 11/08/2024 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 583529659 |  |  |  | 33296547 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender granted exception approved due to Unverifiable housing for the primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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 qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Substantial Cash Reserves<br>Borrower's own funds used for Down Payment & Closing (No gifts or DPA)<br>Low default risk with substantial equity, LTV [Redacted]% lower than matrix | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-08): Lender granted exception approval with compensating factors in loan file. |  |  | 11/08/2024 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 513341206 |  |  |  | 33296569 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> Remove/Clear Exceptions |  |  |  | Buyer Comment (2024-11-25): Approve |  |  | 11/25/2024 | 2 B |  | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
|  | 513341206 |  |  |  | 33296570 |  | Compliance | Compliance | State Compliance | State Defect | Compliant Texas 50(f)(2) loan without signed TX50(f)(2) Affidavit. Loan is reviewed as a TX50(f)(2) loan. | [Redacted] Constitution Section 50(f-1) Affidavit Acknowledging Requirements of Subsection (f)(2) not in file, however, review of loan file indicates loan meets all conditions in 50(f)(2)(a) to (d). Loan is not reviewed as a [Redacted](a)(6) loan. |  |  |  |  | Reviewer Comment (2024-12-04): Documents received, system cleared.<br>Buyer Comment (2024-11-25): TX disclosure uploaded. | 12/04/2024 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 513341206 |  |  |  | 33296571 |  | Compliance | Compliance | State Compliance | State Defect | Compliant Texas 50(f)(2) loan with unsigned TX50(f)(2) Affidavit. Loan is reviewed as a TX50(f)(2) loan. | [Redacted] Constitution Section 50(f-1) Affidavit Acknowledging Requirements of Subsection (f)(2) in file is not executed by owner/owner's spouse, however, review of loan file indicates loan meets all conditions in 50(f)(2)(a) to (d). Loan is not reviewed as a [Redacted] (a)(6) loan. |  |  |  |  | Reviewer Comment (2024-12-04): Documents received, system cleared. | 12/04/2024 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 564481545 |  |  |  | 33296603 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The Appraisal report reflects subject to add the additional land/pond onto the existing parcel with the dwelling. The 442 report was not located within the loan file. |  |  |  | Reviewer Comment (2025-01-23): As is appraisal provided<br>Buyer Comment (2025-01-10): Appraisal reflecting "as is" uploaded.<br>Reviewer Comment (2024-12-16): Exception Remains - Required [Redacted] as appraisal is made Subject to provided title commitment is not acceptable.<br>Buyer Comment (2024-12-12): Final title commitment reflecting PPN included on property per appraiser request. | 01/23/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564481545 |  |  |  | 33296608 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The loan file does not contain evidence the Borrower received the final appraisal prior to or at closing. |  |  |  | Buyer Comment (2024-11-21): Approve |  |  | 11/21/2024 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564481545 |  |  |  | 33296609 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report re-issue fee on the Closing Statement issued on [Redacted] was $[Redacted] and the Closing Disclosure issued on [Redacted] increased the fee to $[Redacted]. The loan file did not contain a Changed Circumstance for the increase of this fee. |  |  |  | Reviewer Comment (2024-11-27): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-11-26): Please see page[Redacted] of the PCCD, doc [Redacted]of image [Redacted]reflecting wording reviewer is requesting.<br>Reviewer Comment (2024-11-22): [Redacted]received Post CD, payment history and LOX however the post cd is only reflecting principal reduction whereas we would require post CD to be mentioned as principal reduction to borrower for exceeding legal limits for cure.<br>Buyer Comment (2024-11-21): Please see image [Redacted], PCCD reflecting PR and image [Redacted]pay history reflecting PR. |  | 11/27/2024 |  | 2 C B |  | OH | 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 |
|  | 564481545 |  |  |  | 33296610 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is marked rural which is ineligible per guidelines. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<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]%. | Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA).<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership Experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-11-19): Lender exception with compensating factors. |  |  | 11/19/2024 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 564481545 |  |  |  | 33296611 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-27): Sufficient Cure Provided within [Redacted] Days of Closing |  | 11/27/2024 |  | 1 A |  | OH | 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 |
|  | 564481545 |  |  |  | 33296612 |  | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. |  |  | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous<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]%. | Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA).<br>Excellent credit management with FICO [Redacted]+.<br>Prior homeownership Experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors provided. |  |  | 01/28/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296614 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation (Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2024-12-10): Approve<br>Reviewer Comment (2024-12-09): Grade is EV2.<br>Buyer Comment (2024-11-26): Please note, revised appraisal can be delivered post consummation and be downgraded and waived.<br>Reviewer Comment (2024-11-25): Exception Remain - Required Receipt of Appraisal delivered to borrower prior to note date provided document is post note dated.<br>Buyer Comment (2024-11-15): Proof of appraisal delivery to borrower, emailed updated copy to borrower. Revision was for sales price and did not impact value. Please reduce exception grade to [Redacted]<br>Buyer Comment (2024-11-15): Borrower receipt of CDA report uploaded |  |  | 12/10/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296615 |  | 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 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 (2024-12-09): Delivery of appraisal after closing provided.<br>Buyer Comment (2024-11-26): Please note, revised appraisal can be delivered post consummation and be downgraded and waived.<br>Reviewer Comment (2024-11-25): Exception Remain - Required Receipt of Appraisal delivered to borrower prior to note date provided document is post note dated.<br>Buyer Comment (2024-11-15): Proof of appraisal delivery to borrower, emailed updated copy to borrower. Revision was for sales price and did not impact value. Please reduce exception grade to [Redacted] | 12/09/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296616 |  | 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 valuation (Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-09): Delivery of appraisal after closing provided.<br>Buyer Comment (2024-11-26): Please note, revised appraisal can be delivered post consummation and be downgraded and waived.<br>Reviewer Comment (2024-11-25): Exception Remain - Required Receipt of Appraisal delivered to borrower prior to note date provided document is post note dated.<br>Buyer Comment (2024-11-15): Proof of appraisal delivery to borrower, emailed updated copy to borrower. Revision was for sales price and did not impact value. Please reduce exception grade to [Redacted]<br>Buyer Comment (2024-11-15): Borrower receipt of report | 12/09/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296618 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property does not meet the minimum square footage (Minimum square footage per guidelines is [Redacted], actual square footage is [Redacted]). | Borrower has been employed in the same industry for more than [Redacted] years.<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 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>Miscellaneous<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Borrower's own funds used for down payment and closing (No gifts or dpa).<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-11-14): Lender exception with compensating factors. |  |  | 11/14/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296619 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Subject property does not meet the minimum square footage (Minimum square footage per guidelines is [Redacted], actual square footage is [Redacted]) and Non-Warrantable Condo (Guidelines require full project approval on all condos). | Borrower has been employed in the same industry for more than [Redacted] years.<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 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>Miscellaneous<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Borrower's own funds used for down payment and closing (No gifts or dpa).<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-11-14): Lender exception with compensating factors. |  |  | 11/14/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296620 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Borrower does not meet the minimum residual income (Minimum residual per guidelines is $[Redacted], borrower's actual $[Redacted]). | Borrower has been employed in the same industry for more than [Redacted] years.<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 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>Miscellaneous<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Borrower's own funds used for down payment and closing (No gifts or dpa).<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-11-14): Lender exception with compensating factors. |  |  | 11/14/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296621 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrower does not meet the minimum residual income (Minimum residual per guidelines is $[Redacted], borrower's actual $[Redacted]). | Borrower has been employed in the same industry for more than [Redacted] years.<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 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>Miscellaneous<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Borrower's own funds used for down payment and closing (No gifts or dpa).<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-11-14): Lender exception with compensating factors. |  |  | 11/14/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296622 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Warrantable Condo (Guidelines require full project approval on all condos). | Borrower has been employed in the same industry for more than [Redacted] years.<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 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>Miscellaneous<br>Miscellaneous | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Borrower's own funds used for down payment and closing (No gifts or dpa).<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-11-14): Lender exception with compensating factors. |  |  | 11/14/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296623 |  | 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. | Borrower does not meet the minimum residual income (Minimum residual per guidelines is $[Redacted], borrower's actual $[Redacted]). |  |  |  | Reviewer Comment (2024-11-14): Lender exception with compensating factors, system cleared. | 11/14/2024 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 510702031 |  |  |  | 33296624 |  | 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.) | Borrower does not meet the minimum residual income (Minimum residual per guidelines is $[Redacted], borrower's actual $[Redacted]). |  |  |  | Reviewer Comment (2024-11-14): Lender exception with compensating factors, system cleared. | 11/14/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296625 |  | 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. | Borrower does not meet the minimum residual income (Minimum residual per guidelines is $[Redacted], borrower's actual $[Redacted]). |  |  |  | Reviewer Comment (2024-11-14): Lender exception with compensating factors, system cleared. | 11/14/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 510702031 |  |  |  | 33296627 |  | 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 revised valuation to applicant three (3) business days prior to consummation. | Delivery of appraisal after closing provided. |  |  |  | Buyer Comment (2024-12-10): Approve |  |  | 12/10/2024 | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 534706113 |  |  |  | 33296629 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | The Child Support evidence is missing from the loan file. |  |  |  | Reviewer Comment (2024-12-04): Exception cleared. Received child support document and updated correctly.<br>Buyer Comment (2024-12-03): Attached. | 12/04/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 534706113 |  |  |  | 33296631 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report date is [Redacted] which is less than three business days from consummation date of [Redacted]. |  |  |  | Buyer Comment (2024-12-03): Update which did not impact valuation. |  |  | 12/03/2024 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 534706113 |  |  |  | 33296632 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | 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. |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-03): Please see finding [Redacted]. | 12/12/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 534706113 |  |  |  | 33296633 |  | 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. | Appraisal report date is [Redacted] which is less than three business days from consummation date of [Redacted]. |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-03): The [Redacted] copy was an update which did not affect valuation, see the earlier copy attached along with records of delivery of this internal copy. Please rescind this finding, [Redacted] will accept the grade [Redacted] already input. | 12/12/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 534706113 |  |  |  | 33296635 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-12-12): Client elects to Waive. |  |  | 12/12/2024 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 538166133 |  |  |  | 33296638 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-12-05): Exception Cleared - Received UCDP submission report from Fannie Mae associated the same and data updated as per provided documents.<br>Buyer Comment (2024-12-04): FNMA CU PR attached. | 12/05/2024 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 538166133 |  |  |  | 33296639 |  | 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. |  |  |  |  | Reviewer Comment (2024-12-05): Exception Cleared - Received receipt of appraisal delivered to borrower data updated as per provided documents.<br>Buyer Comment (2024-12-04): Attached to finding [Redacted]. | 12/05/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 538166133 |  |  |  | 33296640 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-12-05): Exception Cleared - Received receipt of appraisal delivered to borrower data updated as per provided documents.<br>Buyer Comment (2024-12-04): Waterfall of [Redacted]. | 12/05/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 538166133 |  |  |  | 33296641 |  | 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. |  |  |  |  | Reviewer Comment (2024-12-05): Exception Cleared - Received receipt of appraisal delivered to borrower data updated as per provided documents.<br>Buyer Comment (2024-12-04): Attached. | 12/05/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 504874089 |  |  |  | 33296646 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1004 includes a 1007, Single Family Comparable Rent Schedule, when loan is marked as owner occupied, primary residence. |  |  |  | Reviewer Comment (2024-12-12): Lender states 1007 is not used.<br>Buyer Comment (2024-12-04): The 1007 was not necessary and was not completed by the second appraiser, [Redacted], whose valuation was used to qualify the subject transaction. | 12/12/2024 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504874089 |  |  |  | 33296647 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal delivered electronically. |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-04): Attached. | 12/12/2024 |  |  | 1 B A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504874089 |  |  |  | 33296648 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-11-22): Sufficient Cure Provided At Closing |  | 11/22/2024 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 504874089 |  |  |  | 33296649 |  | 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. |  |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-04): See attachment to finding [Redacted]. | 12/12/2024 |  |  | 1 B A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504874089 |  |  |  | 33296650 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-04): Waterfall of finding [Redacted]. | 12/12/2024 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 504874089 |  |  |  | 33296651 |  | 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. |  |  |  |  | Reviewer Comment (2024-12-12): Delivery provided.<br>Buyer Comment (2024-12-04): Attached. | 12/12/2024 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 583580304 |  |  |  | 33296654 |  | 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. |  |  |  |  | Reviewer Comment (2024-12-05): Received deliver of appraisal document. Exception cleared.<br>Buyer Comment (2024-12-04): Attached to [Redacted]. | 12/05/2024 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583580304 |  |  |  | 33296655 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-12-05): Received deliver of appraisal document. Exception cleared.<br>Buyer Comment (2024-12-04): Waterfall of [Redacted]. | 12/05/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583580304 |  |  |  | 33296656 |  | 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. |  |  |  |  | Reviewer Comment (2024-12-05): Received deliver of appraisal document. Exception cleared.<br>Buyer Comment (2024-12-04): Attached. | 12/05/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583580304 |  |  |  | 33296658 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[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 Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-12-05): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-12-04): Attached docs show cure already completed. |  | 12/05/2024 |  | 2 C B |  | NY | 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 |
|  | 583580304 |  |  |  | 33296659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reinspection Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-12-05): [Redacted] received a valid COC.<br>Buyer Comment (2024-12-04): The appraisal returned on[Redacted] with a valuation that was Subject To Completion, which then necessitated a reinspection to confirm the required items were completed. The [Redacted] LE disclosed this change of circumstance and a $[Redacted]reinspection fee; all subsequent LEs also included a $[Redacted]reinspection fee. | 12/05/2024 |  |  | 1 C A |  | NY | 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 |
|  | 583580304 |  |  |  | 33296660 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-12-05): Sufficient Cure Provided within [Redacted]Days of Closing |  | 12/05/2024 |  | 1 A |  | NY | 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 |
|  | 518128307 |  |  |  | 33296681 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-21): Sufficient Cure Provided At Closing |  | 11/21/2024 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 521750472 |  |  |  | 33296685 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible Property Type. Rural | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing (no gifts or DPA)<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Acreage securing the loan may not exceed [Redacted]acres |  |  | 12/04/2024 | 2 B |  | ME | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 521750472 |  |  |  | 33296686 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Ineligible Property Type. Rural and Max Acreage. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing (no gifts or DPA)<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Lender Exception with Compensating Factors. |  |  | 12/04/2024 | 2 B |  | ME | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 521750472 |  |  |  | 33296687 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Acreage securing the loan may not exceed [Redacted] acres | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Borrower's own funds used for down payment and closing (no gifts or DPA)<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Acreage securing the loan may not exceed [Redacted]acres |  |  | 12/04/2024 | 2 B |  | ME | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296696 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. OR The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2024-12-16): Exception cleared. Received UCDP reports and updated correctly.<br>Buyer Comment (2024-12-12): Please see attached, page [Redacted], which includes the FNMA CU Risk Score. | 12/16/2024 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296697 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | The FACTA was not located within the loan file. |  |  |  | Reviewer Comment (2024-12-19): Disclosure provided.<br>Buyer Comment (2024-12-12): See attached. | 12/19/2024 |  |  | 1 B A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296699 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The Red-Flagged issues listed on the Fraud Report were not cleared. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-26): Complete copy attached including commentary.<br>Reviewer Comment (2024-12-19): DRIVE report does not reflect items were addressed. UW comments missing.<br>Buyer Comment (2024-12-12): Attached version is complete prior to close. | 01/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296700 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [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]. | Residual income > than $[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | 12/04/2024 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296701 |  | 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 PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [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]. | Residual income > than $[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or DPA). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | 12/04/2024 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296702 |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-12-04): Lender exception with compensating factors, system cleared. | 12/04/2024 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
|  | 540100938 |  |  |  | 33296703 |  | 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.) | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-12-04): Lender exception with compensating factors, system cleared. | 12/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 540100938 |  |  |  | 33296704 |  | 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. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2024-12-04): Lender exception with compensating factors, system cleared. | 12/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 580173217 |  |  |  | 33296707 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | The [Redacted] Loan Estimate is not signed/dated and there is no other evidence in loan file the borrower received the revised loan estimate at least 4 business days before closing. |  |  |  | Reviewer Comment (2024-12-18): [Redacted]received proof of receipt.<br>Buyer Comment (2024-12-17): Borrower received electronically same day, see attached. | 12/18/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
|  | 580173217 |  |  |  | 33296708 |  | 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. | Delivery of report in file was on [Redacted] and closing was [Redacted]. |  |  |  | Buyer Comment (2024-12-26): accept<br>Buyer Comment (2024-12-17): Earlier version was provided more than three days prior. The version sent [Redacted] was an update which did not affect value. |  |  | 12/26/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 580173217 |  |  |  | 33296709 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2024-12-17): Concur |  |  | 12/17/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 580173217 |  |  |  | 33296710 |  | 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. |  |  |  |  | Buyer Comment (2024-12-17): Update did not affect value |  |  | 12/17/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296712 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2024-12-19): Sufficient coverage provided.<br>Buyer Comment (2024-12-12): Also see additional information from HOI policy which is showing an additional extended coverage for [Redacted]% on top of the dwelling amount. $[Redacted]X [Redacted]% = $[Redacted]+ Other Structures $[Redacted]= $[Redacted]<br>Buyer Comment (2024-12-12): Please see Guidelines and HOI policy showing dwelling amount $[Redacted]+ Other Structures $[Redacted]= $[Redacted]Which is enough according with guidelines because is more than Loan amount $[Redacted] | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296713 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation (Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-19): Delivery provided.<br>Buyer Comment (2024-12-18): Please see Proof of appraisal been delivered to our bwr until [Redacted] | 12/19/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296716 |  | 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. | The loan file does not document the Borrower's ownership percentage in the business used for income qualification, that the business has been in existence for two years and does not document a verification of the business within 10 days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-10): Please see CPA letter attached dated before closing date<br>Reviewer Comment (2024-12-19): Verification of [Redacted] yr self employment and that business is active, however percentage of ownership not verified by a 3rd party.<br>Buyer Comment (2024-12-12): Please see existence of business for last two yrs and VVOE between [Redacted] days of closing attached. | 01/23/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 570134712 |  |  |  | 33296717 |  | 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.) | The loan file does not document the Borrower's ownership percentage in the business used for income qualification, that the business has been in existence for two years and does not document a verification of the business within 10 days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-10): Please see CPA letter attached dated before closing date.<br>Reviewer Comment (2024-12-19): Verification of [Redacted] yr self employment and that business is active, however percentage of ownership not verified by a 3rd party.<br>Buyer Comment (2024-12-12): Please see existence of business for last two yrs and VVOE between [Redacted] days of closing attached. | 01/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296718 |  | 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. | The loan file does not document the Borrower's ownership percentage in the business used for income qualification, that the business has been in existence for two years and does not document a verification of the business within 10 days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-10): Please see CPA letter attached dated before closing date<br>Reviewer Comment (2024-12-19): Verification of [Redacted] yr self employment and that business is active, however percentage of ownership not verified by a 3rd party.<br>Buyer Comment (2024-12-12): Please see existence of business for last [Redacted]yrs and VVOE between [Redacted]days of closing attached. | 01/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296719 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not document the Borrower's ownership percentage in the business used for income qualification, that the business has been in existence for two years and does not document a verification of the business within 10 days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-10): Please see CPA letter attached dated before closing date<br>Reviewer Comment (2024-12-19): Verification of [Redacted]yr self employment and that business is active, however percentage of ownership not verified by a 3rd party.<br>Buyer Comment (2024-12-18): Please see proof of ownership attached.<br>Reviewer Comment (2024-12-16): Third party verification provided and updated. Require CPA or operating agreement to verify ownership of borrower in the business. Exception remains<br>Buyer Comment (2024-12-12): Please see existence of business for last [Redacted]yrs and VVOE between [Redacted]days of closing attached. | 01/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296720 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  |  |  |  |  | Reviewer Comment (2025-03-20): Credit report is dated [Redacted] which is within [Redacted] days exception cleared.<br>Buyer Comment (2025-03-19): Please see Credit report and soft report attached. Daye of the Note was [Redacted] vs credit report [Redacted] and soft report date [Redacted] | 03/20/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570134712 |  |  |  | 33296721 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than X years.<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 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.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>- Low default risk with substantial equity, LTV 25% lower than matrix.<br>- Qualifying Ratios of 23/28 or less.<br>- Excellent Credit Management with FICO 720+<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-04): Lender Exception with Compensating Factors provided. |  |  | 04/04/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 555672187 |  |  |  | 33296724 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2024-12-11): Approve |  |  | 12/11/2024 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296727 |  | 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. | The Appraisal Report is dated the same day as Note. The loan file does not contain evidence of an appraisal waiver form for the Borrower to receive less than three days prior to Note date. |  |  |  | Buyer Comment (2024-12-17): Value estimate unchanged |  |  | 12/17/2024 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296728 |  | 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 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 (2024-12-23): Document Provided and updated - Exception cleared<br>Buyer Comment (2024-12-17): Waterfall of [Redacted]. | 12/23/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296729 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Appraisal Report is dated the same day as Note. The loan file does not contain evidence of an appraisal waiver form for the Borrower to receive less than three days prior to Note date. |  |  |  | Reviewer Comment (2024-12-23): Document Provided and updated - Exception cleared<br>Buyer Comment (2024-12-17): The original appraisal was completed on [Redacted] and sent the same day; the [Redacted] appraisal was an update that did not affect value. Original appraisal and evidence of delivery of both attached. | 12/23/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296733 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain third party evidence the Borrower is [Redacted]% owner of self-employed business. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Reviewer Comment (2024-12-30): Required CPA Letter showing borrower Ownership % in the business. Exception Remains.<br>Buyer Comment (2024-12-26): That document is dated from [Redacted], documentation on pages [Redacted]-[Redacted]is more current and shows [Redacted] as the sole member/owner/principal. The most recent annual report is on page [Redacted]. [Redacted] was removed as a principal on page [Redacted].<br>Reviewer Comment (2024-12-23): Articles of organization specifies "[Redacted]" and "[Redacted]" as manager or Member of the business entity. Require CPA letter/Operating Agreement to confirm ownership of borrower in qualifying business entity - Exception Remains<br>Buyer Comment (2024-12-17): Page [Redacted]/[Redacted]in Acuity shows the borrower is the sole member of the self-employed business. Page [Redacted]/[Redacted]defines "member" as owners of the LLC. Because business records confirm the borrower is the sole member, she is [Redacted]% owner. | 01/14/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296734 |  | 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. | The loan file does not contain third party evidence the Borrower is [Redacted]% owner of self-employed business. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-26): Please see commentary in exception ID [Redacted].<br>Reviewer Comment (2024-12-23): Articles of organization specifies "[Redacted]" and "[Redacted]" as manager or Member of the business entity. Require CPA letter/Operating Agreement to confirm ownership of borrower in qualifying business entity - Exception Remains<br>Buyer Comment (2024-12-17): Page [Redacted]/[Redacted]in Acuity shows the borrower is the sole member of the self-employed business. Page [Redacted]/[Redacted]defines "member" as owners of the LLC. Because business records confirm the borrower is the sole member, she is [Redacted]% owner. | 01/14/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 523948042 |  |  |  | 33296735 |  | 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.) | The loan file does not contain third party evidence the Borrower is [Redacted]% owner of self-employed business. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-26): Please see commentary in exception ID [Redacted].<br>Reviewer Comment (2024-12-23): Articles of organization specifies "[Redacted]" and "[Redacted]" as manager or Member of the business entity. Require CPA letter/Operating Agreement to confirm ownership of borrower in qualifying business entity - Exception Remains<br>Buyer Comment (2024-12-17): Page [Redacted]/[Redacted]in Acuity shows the borrower is the sole member of the self-employed business. Page [Redacted]/[Redacted]defines "member" as owners of the LLC. Because business records confirm the borrower is the sole member, she is [Redacted]% owner. | 01/14/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296736 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file does not contain third party evidence the Borrower is [Redacted]% owner of self-employed business. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Reviewer Comment (2024-12-30): Required CPA Letter showing borrower Ownership % in the business. Exception Remains.<br>Buyer Comment (2024-12-26): Please see commentary in exception ID [Redacted].<br>Reviewer Comment (2024-12-23): Articles of organization specifies "[Redacted]" and "[Redacted]" as manager or Member of the business entity. Require CPA letter/Operating Agreement to confirm ownership of borrower in qualifying business entity - Exception Remains<br>Buyer Comment (2024-12-17): Page [Redacted]/[Redacted]in Acuity shows the borrower is the sole member of the self-employed business. Page [Redacted]/[Redacted]defines "member" as owners of the LLC. Because business records confirm the borrower is the sole member, she is [Redacted]% owner. | 01/14/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296737 |  | 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. | The loan file does not contain third party evidence the Borrower is [Redacted]% owner of self-employed business. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-26): Please see commentary in exception ID [Redacted].<br>Reviewer Comment (2024-12-23): Articles of organization specifies "[Redacted]" and "[Redacted]" as manager or Member of the business entity. Require CPA letter/Operating Agreement to confirm ownership of borrower in qualifying business entity - Exception Remains<br>Buyer Comment (2024-12-17): Page [Redacted]/[Redacted]in Acuity shows the borrower is the sole member of the self-employed business. Page [Redacted]/[Redacted]defines "member" as owners of the LLC. Because business records confirm the borrower is the sole member, she is [Redacted]% owner. | 01/14/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 523948042 |  |  |  | 33296739 |  | 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 revised valuation to applicant three (3) business days prior to consummation. | The Appraisal Report is dated same day as Note. The loan file does not contain evidence of an Appraisal Waiver |  |  |  | Buyer Comment (2025-01-14): Accept |  |  | 01/14/2025 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 509940494 |  |  |  | 33296742 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-12-04): Sufficient Cure Provided within [Redacted] Days of Closing |  | 12/04/2024 |  | 1 A |  | HI | Primary | Refinance - Rate/Term | 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 |
|  | 509940494 |  |  |  | 33296743 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2024-12-18): Final title policy provided, exception cleared.<br>Buyer Comment (2024-12-11): Please see Final Title Insurance Policy | 12/18/2024 |  |  | 1 B A |  | HI | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 597015363 |  |  |  | 33296745 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Most resent property inspection report is missing to verify FEMA disaster. | 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: [Redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-17): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Reviewer Comment (2024-12-17): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted]PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [Redacted] <br> Disaster End Date: [Redacted]<br> Disaster Name: [Redacted]<br> Disaster Declaration Date: [Redacted]<br>Buyer Comment (2024-12-11): Please see Re-inspection report attached dated [Redacted] no damage reported |  |  | 12/17/2024 | 2 C B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296757 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Initial Closing Disclosure reflects an increase of the Credit Report Fee. The loan file does not contain a Changed Circumstance for the increased fee. |  |  |  | Reviewer Comment (2024-12-23): [Redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-12-19): Attached evidence of cure already complete. |  | 12/23/2024 |  | 2 C B |  | NY | 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 |
|  | 507867604 |  |  |  | 33296758 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-12-23): Received final title policy, Exception cleared. | 12/23/2024 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296760 |  | 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 ___. | The Borrowers require to have 6 months reserves. The calculated reserves for the Borrowers is [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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO 720+<br>Housing Ratio 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-16): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-13): Please clarify why the post-closing exception provided with comp factors is not acceptable.<br>Reviewer Comment (2025-01-10): Total verified funds= $[Redacted]- (cash to close + EMD + POC)=$[Redacted]= $[Redacted]in reserves[Redacted] months.<br>Buyer Comment (2025-01-07): Post-closing exception attached<br>Reviewer Comment (2024-12-23): Reserve requirement is not met please provide additional funds to meet reserve requirement, Exception remains.<br>Buyer Comment (2024-12-19): Requesting clarification, as loan summary shows $[Redacted]in assets available for closing, $[Redacted]required for closing, PITIA is $[Redacted]so that would leave $[Redacted]reserves which is [Redacted]months. |  |  | 01/16/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296761 |  | 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. | The Borrowers require to have 6 months reserves. The calculated reserves for the Borrowers is [Redacted]. |  |  |  | Reviewer Comment (2025-01-26): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-17): Waterfall of other findings, please additionally see PC exception in finding [Redacted]. This should be acceptable to clear, thank you!<br>Reviewer Comment (2025-01-10): Total verified funds= $[Redacted]- (cash to close + EMD + POC)=$[Redacted]= $[Redacted]in reserves[Redacted]months.<br>Buyer Comment (2024-12-19): Requesting clarification, as loan summary shows $[Redacted]in assets available for closing, $[Redacted]required for closing, PITIA is $[Redacted]so that would leave $[Redacted]reserves which is [Redacted]months. | 01/26/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 507867604 |  |  |  | 33296762 |  | 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. | The Borrowers require to have 6 months reserves. The calculated reserves for the Borrowers is [Redacted]. |  |  |  | Reviewer Comment (2025-01-26): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-17): Waterfall of other findings, please additionally see PC exception in finding [Redacted]. This should be acceptable to clear, thank you!<br>Reviewer Comment (2025-01-10): Total verified funds= $[Redacted]- (cash to close + EMD + POC)=$[Redacted]= $[Redacted]in reserves [Redacted]months.<br>Buyer Comment (2024-12-19): Requesting clarification, as loan summary shows $[Redacted]in assets available for closing, $[Redacted]required for closing, PITIA is $[Redacted]so that would leave $[Redacted]reserves which is[Redacted] months. | 01/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296764 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The final signed and dated Closing Disclosure reflect Gift Funds received. The loan file does not contain a Gift Letter or evidence of funds. | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO 720+<br>Housing Ratio 25% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-26): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-17): Waterfall of other findings, please additionally see PC exception in finding [Redacted]. This should be acceptable to clear, thank you!<br>Reviewer Comment (2025-01-10): Exception remains. Need sufficient asset documents to meet [Redacted] months reserve requirements. Currently available reserves are of [Redacted]months without gift funds.<br>Buyer Comment (2025-01-07): Please see finding [Redacted]. |  |  | 01/26/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296765 |  | 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.) | The final signed and dated Closing Disclosure reflect Gift Funds received. The loan file does not contain a Gift Letter or evidence of funds. |  |  |  | Reviewer Comment (2025-01-26): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-17): Waterfall of other findings, please additionally see PC exception in finding [Redacted]. This should be acceptable to clear, thank you!<br>Reviewer Comment (2025-01-10): Total verified funds= $[Redacted]- (cash to close + EMD + POC)=$[Redacted]= $[Redacted]in reserves [Redacted] months.<br>Buyer Comment (2025-01-07): Please see finding [Redacted]. | 01/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296766 |  | Credit | Asset | Asset Documentation | Asset | Gift Funds reflected on the CD, however supporting documentation was not found in file. |  | The final signed and dated Closing Disclosure reflect Gift Funds received. The loan file does not contain a Gift Letter or evidence of funds. |  |  |  | Reviewer Comment (2025-01-10): Received post closed Closing disclosure which showing no gift fund, Exception cleared.<br>Buyer Comment (2025-01-07): Corrected closing disclosure attached. There was no intended gift, and the borrower paid all the funds to close. | 01/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296767 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2024-12-23): Received final title policy, Exception cleared.<br>Buyer Comment (2024-12-19): See the attached final policy info, coverage was updated to $[Redacted]. | 12/23/2024 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 507867604 |  |  |  | 33296768 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-12-23): Sufficient Cure Provided within [Redacted]Days of Closing |  | 12/23/2024 |  | 1 A |  | NY | 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 |
|  | 510228590 |  |  |  | 33296778 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2024-12-23): Exception cleared. Received FNMA-UCDP report and updated correctly.<br>Buyer Comment (2024-12-18): Appraisal review CU uploaded. | 12/23/2024 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 510228590 |  |  |  | 33296779 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling List disclosure is missing. |  |  |  | Buyer Comment (2025-01-08): Approve<br>Buyer Comment (2024-12-18): Disclosure uploaded. |  |  | 01/08/2025 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 510228590 |  |  |  | 33296783 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate and again on [Redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2025-01-08): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-01-07): PCCD and payment history reflecting PR uploaded. |  | 01/08/2025 |  | 2 C B |  | NY | 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 |
|  | 510228590 |  |  |  | 33296784 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's business has been in existence less than 2 years. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted]. | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Substantial Cash Reserves.<br>Excellent Credit Management with FICO 720+.<br>Residual income greater than $[Redacted]. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC,Originator | Buyer Comment (2024-12-18): Approve<br>Reviewer Comment (2024-12-12): Business in Existence for less than [Redacted] Years. (Guidelines require a business be in existence for a minimum of [Redacted]-year, business was formed [Redacted].) |  |  | 12/18/2024 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 555187976 |  |  |  | 33296787 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-01-24): Corrected Disclosure provided.<br>Buyer Comment (2025-01-21): IEAD and LOE uploaded. | 01/24/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 555187976 |  |  |  | 33296788 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-12-05): Sufficient Cure Provided At Closing |  | 12/05/2024 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
|  | 555187976 |  |  |  | 33296789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Finance Charge disclosed is $[Redacted]. Calculated finance charge is $[Redacted]. Variance of [Redacted]. |  |  |  | Reviewer Comment (2025-02-03): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-01-31): PCCD, LOE, re-executed NORTC and proof of delivery uploaded.<br>Reviewer Comment (2025-01-22): It appears lender did not include the Title-Tax Certificate fee of $[Redacted], which would typically be a finance charge, as a APR fee. If lender feels the Title - Tax Certificate fee is a one time fee rather than a fee for a service that extends after closing please provide an Attestation from the title company or settlement agent giving the specific purpose of this fee in order to determine if fee is a finance charge. If the above is not the case than a cure is required.<br>Buyer Comment (2025-01-21): Please review seller's mavent report showing as a pass. LAS report is including tax search fee as an APR fee that seller believes to be an error. |  | 02/03/2025 |  | 2 C B |  | NJ | 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 |
|  | 555187976 |  |  |  | 33296790 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge disclosed is $[Redacted]. Calculated finance charge is $[Redacted]. Variance of [Redacted]. |  |  |  | Reviewer Comment (2025-02-03): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-01-31): PCCD, LOE, re-executed NORTC and proof of delivery uploaded.<br>Reviewer Comment (2025-01-22): It appears lender did not include the Title-Tax Certificate fee of $[Redacted], which would typically be a finance charge, as a APR fee. If lender feels the Title - Tax Certificate fee is a one time fee rather than a fee for a service that extends after closing please provide an Attestation from the title company or settlement agent giving the specific purpose of this fee in order to determine if fee is a finance charge. If the above is not the case than a cure is required.<br>Buyer Comment (2025-01-21): Please review seller's mavent report showing as a pass. LAS report is including tax search fee as an APR fee that seller believes to be an error. |  | 02/03/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 555187976 |  |  |  | 33296791 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2024-12-05): Sufficient Cure Provided At Closing |  | 12/05/2024 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
|  | 555187976 |  |  |  | 33296792 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-03): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-01-31): PCCD, LOE, re-executed NORTC and proof of delivery uploaded.<br>Reviewer Comment (2024-12-19): [Redacted]Loan is Jumbo loan from initial stage and fee should have been charged from initial loan estimate. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-12-18): Please see uploaded COC. |  | 02/03/2025 |  | 2 C B |  | NJ | 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 |
|  | 555187976 |  |  |  | 33296793 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property has [Redacted] acres when max acreage is [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>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>Miscellaneous | [Redacted] years on the job.<br>Residual income is > $[Redacted].<br>Low default risk with substantial equity, LTV 25% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-11): Lender exception with compensating factors. |  |  | 12/11/2024 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 550845662 |  |  |  | 33296812 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing for co-borrower. |  |  |  | Reviewer Comment (2024-12-30): Verification of Identification received and updated. Exception cleared<br>Buyer Comment (2024-12-23): Patriot Act disclosure [Redacted] uploaded. | 12/30/2024 |  |  | 1 C A |  | NV | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 550845662 |  |  |  | 33296813 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A Third Party Employment Verifications dated within 10 business days for the Borrower and Co-Borrower are missing from the loan file. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points.<br>Miscellaneous | Residual income > $[Redacted].<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-02-06): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-05): Regraded to EV2-B based on post-close lender exception with alternate documentation and compensating factors.<br>Buyer Comment (2025-01-29): [Redacted] exception approval uploaded.<br>Reviewer Comment (2025-01-23): Exception Remains - The received business entity is not dated and the CPA letter is dated more than [Redacted]business days. Provide Third Party Employment Verifications dated within [Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-21): Please note, LOE from seller and borrower's business bank statement BofA transaction history dated [Redacted] is within [Redacted] days of closing showing business is actively operating.<br>Reviewer Comment (2025-01-15): Exception Remains - Require Third Party Employment Verifications dated within [Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-13): VVOE and third party verification uploaded. |  |  | 02/06/2025 | 2 C B |  | NV | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 550845662 |  |  |  | 33296814 |  | 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. | A Third Party Employment Verifications dated within 10 business days for the Borrower and Co-Borrower are missing from the loan file. |  |  |  | Reviewer Comment (2025-02-06): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-02-05): Regraded to EV2-B ATR Risk based on post-close lender exception with alternate documentation and compensating factors.<br>Buyer Comment (2025-01-29): [Redacted] exception approval uploaded.<br>Reviewer Comment (2025-01-23): Exception Remains - The received business entity is not dated and the CPA letter is dated more than [Redacted] business days. Provide Third Party Employment Verifications dated within [Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-21): Please note, LOE from seller and borrower's business bank statement BofA transaction history dated [Redacted]is within[Redacted]days of closing showing business is actively operating.<br>Reviewer Comment (2025-01-15): Exception Remains - Require Third Party Employment Verifications dated within [Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-13): VVOE and third party verification uploaded. | 02/06/2025 |  |  | 1 B A C |  | NV | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 550845662 |  |  |  | 33296815 |  | 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.) | A Third Party Employment Verifications dated within 10 business days for the Borrower and Co-Borrower are missing from the loan file. |  |  |  | Reviewer Comment (2025-02-06): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-02-05): Regraded to EV2-B based on post-close lender exception with alternate documentation and compensating factors.<br>Buyer Comment (2025-01-29): [Redacted] exception approval uploaded.<br>Reviewer Comment (2025-01-23): Exception Remains - The received business entity is not dated and the CPA letter is dated more than [Redacted] business days. Provide Third Party Employment Verifications dated within [Redacted]business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-21): Please note, LOE from seller and borrower's business bank statement BofA transaction history dated [Redacted] is within[Redacted] days of closing showing business is actively operating.<br>Reviewer Comment (2025-01-15): Exception Remains - Require Third Party Employment Verifications dated within [Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-13): VVOE and third party verification uploaded. | 02/06/2025 |  |  | 1 C A |  | NV | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 550845662 |  |  |  | 33296816 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | A Third Party Employment Verifications dated within 10 business days for the Borrower and Co-Borrower are missing from the loan file. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points.<br>Miscellaneous | Residual income > $[Redacted].<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-02-06): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-05): Regraded to EV2-B based on post-close lender exception with alternate documentation and compensating factors.<br>Buyer Comment (2025-01-29): [Redacted] exception approval uploaded.<br>Reviewer Comment (2025-01-23): Exception Remains - The received business entity is not dated and the CPA letter is dated more than [Redacted] business days. Provide Third Party Employment Verifications dated within [Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-21): Please note, LOE from seller and borrower's business bank statement BofA transaction history dated [Redacted] is within [Redacted]days of closing showing business is actively operating.<br>Reviewer Comment (2025-01-15): Exception Remains - Require Third Party Employment Verifications dated within[Redacted] business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-13): VVOE and third party verification uploaded. |  |  | 02/06/2025 | 2 C B |  | NV | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 550845662 |  |  |  | 33296817 |  | 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. | A Third Party Employment Verifications dated within 10 business days for the Borrower and Co-Borrower are missing from the loan file. |  |  |  | Reviewer Comment (2025-02-06): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-02-05): Regraded to EV2-B based on post-close lender exception with alternate documentation and compensating factors.<br>Buyer Comment (2025-01-29): [Redacted] exception approval uploaded.<br>Reviewer Comment (2025-01-23): Exception Remains - The received business entity is not dated and the CPA letter is dated more than [Redacted]business days. Provide Third Party Employment Verifications dated within [Redacted]business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-21): Please note, LOE from seller and borrower's business bank statement BofA transaction history dated [Redacted] is within [Redacted]days of closing showing business is actively operating.<br>Reviewer Comment (2025-01-15): Exception Remains - Require Third Party Employment Verifications dated within [Redacted]business days prior to the note date, documentation secured from sources e.g. CPA, regulatory agency, or applicable licensing bureau.<br>Buyer Comment (2025-01-13): VVOE and third party verification uploaded. | 02/06/2025 |  |  | 1 C A |  | NV | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 571843560 |  |  |  | 33296818 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>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: [Redacted]. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2024-12-20): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted]. |  |  | 12/20/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
|  | 571843560 |  |  |  | 33296821 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reinspection Fee of $[Redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-10): [Redacted]received Letter of Explanation, copy of principal reduction on cure & Corrected CD.<br>Reviewer Comment (2025-01-10): correct cure dates<br>Reviewer Comment (2025-01-10): [Redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-01-08): PCCD and payment history reflecting PR uploaded. |  | 01/10/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Home Improvement | 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 |
|  | 571843560 |  |  |  | 33296822 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Transfer Tax Fee disclosed as $[Redacted] on CD dated [Redacted], but disclosed as $[Redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-10): [Redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-01-08): PCCD and payment history reflecting PR uploaded. |  | 01/10/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Home Improvement | 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 |
|  | 531235403 |  |  |  | 33296835 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | 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: [Redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-20): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 12/20/2024 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296836 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared. | 01/14/2025 |  |  | 1 A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296837 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. |  | Page 3 of Final Closing disclosure is missing in file. |  |  |  | Reviewer Comment (2024-12-30): [Redacted]received full final CD pages<br>Buyer Comment (2024-12-27): Final CD reuploaded.<br>Reviewer Comment (2024-12-27): No new Final CD located in trailing documents. Please reupload for review.<br>Buyer Comment (2024-12-26): Final CD uploaded. | 12/30/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296839 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations disclosure is missing. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-26): Please see image [Redacted], page [Redacted]reflecting Counseling Org List included with the initial disclosures package. | 01/14/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296840 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Incomplete Final Closing disclosure in file. Page 3 of Final Closing disclosure is missing. |  |  |  | Reviewer Comment (2024-12-30): [Redacted]received final CD with all pages<br>Buyer Comment (2024-12-27): Final CD reuploaded.<br>Reviewer Comment (2024-12-27): No new Final CD located in trailing documents. Please reupload for review.<br>Buyer Comment (2024-12-26): Final CD uploaded. | 12/30/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Non QM | Non QM | Yes |
|  | 531235403 |  |  |  | 33296842 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted] % or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-19): Sufficient Cure Provided At Closing |  | 12/19/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 531235403 |  |  |  | 33296843 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2024-12-30): Proof of appraisal delivery provided exception cleared.<br>Buyer Comment (2024-12-26): Appraisal proof of delivery uploaded. | 12/30/2024 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296844 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-26): Final title policy uploaded. | 01/14/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296845 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-20): Sufficient Cure Provided At Closing |  | 12/20/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 531235403 |  |  |  | 33296846 |  | 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. | The loan file does not contain a verification of the Borrower's business within 10 business days of the closing as required by guidelines. |  |  |  | Reviewer Comment (2024-12-30): VVOE provided exception cleared.<br>Buyer Comment (2024-12-26): VVOE uploaded. | 12/30/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 531235403 |  |  |  | 33296847 |  | 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.) | The loan file does not contain a verification of the Borrower's business within 10 business days of the closing as required by guidelines. |  |  |  | Reviewer Comment (2024-12-30): VVOE provided exception cleared.<br>Buyer Comment (2024-12-26): VVOE uploaded. | 12/30/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296848 |  | 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. | The loan file does not contain a verification of the Borrower's business within 10 business days of the closing as required by guidelines. |  |  |  | Reviewer Comment (2024-12-30): VVOE provided exception cleared.<br>Buyer Comment (2024-12-26): VVOE uploaded. | 12/30/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 531235403 |  |  |  | 33296849 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain a verification of the Borrower's business within 10 business days of the closing as required by guidelines. |  |  |  | Reviewer Comment (2024-12-30): VVOE provided exception cleared.<br>Buyer Comment (2024-12-26): VVOE uploaded. | 12/30/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 563325380 |  |  |  | 33296853 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is identified as a Rural Property, guidelines do not allow Rural Properties. | 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 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. | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-20): Lender exception with compensating factors. |  |  | 12/20/2024 | 2 B |  | PA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 563325380 |  |  |  | 33296854 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Minimum Borrower contribution is [Redacted]% if housing history is unverifiable. | 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 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. | Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-20): Lender exception with compensating factors. |  |  | 12/20/2024 | 2 B |  | PA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 546991130 |  |  |  | 33296871 |  | 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. |  |  |  |  | Buyer Comment (2024-12-27): Approve |  |  | 12/27/2024 | 2 B |  | HI | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
|  | 546991130 |  |  |  | 33296872 |  | 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. |  |  |  |  | Buyer Comment (2024-12-27): Approve |  |  | 12/27/2024 | 2 B |  | HI | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
|  | 546991130 |  |  |  | 33296875 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-27): Initial escrow account disclosure uploaded. | 01/14/2025 |  |  | 1 B A |  | HI | Primary | Refinance - Limited Cash-out GSE | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 546991130 |  |  |  | 33296876 |  | 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 (2025-01-14): Documents received, system cleared.<br>Buyer Comment (2024-12-27): Please refer to image [Redacted]reflecting disclosure included with initial disclosure package. | 01/14/2025 |  |  | 1 B A |  | HI | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
|  | 546991130 |  |  |  | 33296879 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2024-12-27): Approve |  |  | 12/27/2024 | 2 B |  | HI | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
|  | 546991130 |  |  |  | 33296880 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2025-01-16): Corrected CD cured prior to reporting<br>Buyer Comment (2025-01-15): Please see image [Redacted], CD dated [Redacted] reflecting corrected CD issued at Funding. |  | 01/16/2025 |  | 2 B |  | HI | Primary | Refinance - Limited Cash-out GSE | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
|  | 546991130 |  |  |  | 33296881 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | 1 |  |  |  | Reviewer Comment (2025-01-16): Corrected CD cured prior to reporting<br>Buyer Comment (2025-01-15): Please see image [Redacted], CD dated [Redacted] reflecting corrected CD issued at Funding. |  | 01/16/2025 |  | 2 B |  | HI | Primary | Refinance - Limited Cash-out GSE | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
|  | 562508634 |  |  |  | 33296882 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Housing History is not verifiable. Guideline require verification of past [Redacted] months housing history. Borrower pays rent in cash as per landlord's request. Verification of rent from landlord is available. | 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>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>Miscellaneous | Residual income > $[Redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts for dpa).<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender exception with compensating factors. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 535311985 |  |  |  | 33296889 |  | 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. |  |  |  |  | Reviewer Comment (2025-01-21): Delivery of appraisal provided, system cleared.<br>Buyer Comment (2025-01-07): Attached to finding [Redacted]. | 01/21/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 535311985 |  |  |  | 33296890 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-01-21): Delivery of appraisal provided, system cleared.<br>Buyer Comment (2025-01-07): Attached to finding [Redacted]. | 01/21/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 535311985 |  |  |  | 33296891 |  | 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. |  |  |  |  | Reviewer Comment (2025-01-21): Delivery of appraisal provided, system cleared.<br>Buyer Comment (2025-01-07): Attached. | 01/21/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 558305360 |  |  |  | 33296903 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-20): Sufficient Cure Provided At Closing |  | 12/20/2024 |  | 1 A |  | MI | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 558305360 |  |  |  | 33296904 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow property with 2 parcels that are not adjoining. (Guidelines allow for 2 parcels but they must be adjoining.) | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Residual income > $[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or dpa).<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender exception with compensating factors. |  |  | 12/23/2024 | 2 B |  | MI | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 558305360 |  |  |  | 33296905 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Appraisal shows property as Rural, Guidelines do not allow for Rural Properties. | 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Residual income > $[Redacted].<br>Borrower's own funds used for down payment & closing (No gifts or dpa).<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+.<br>Low housing ratio of [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender exception with compensating factors. |  |  | 12/23/2024 | 2 B |  | MI | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 558305360 |  |  |  | 33296906 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not document the Borrower's ownership in the business used for income qualification. |  |  |  | Reviewer Comment (2025-01-20): Documents received, system cleared.<br>Buyer Comment (2025-01-06): Our borrower is a Real Estate Agent the UW used her commission income only, bwr has not running any business. see P/L statements attached. | 01/20/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 558305360 |  |  |  | 33296907 |  | 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. | The loan file does not document the Borrower's ownership in the business used for income qualification. |  |  |  | Reviewer Comment (2025-01-20): Documents received, system cleared.<br>Buyer Comment (2025-01-06): Our borrower is a Real Estate Agent the UW used her commission income only, bwr has not running any business. see P/L statements attached. | 01/20/2025 |  |  | 1 B A C |  | MI | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 558305360 |  |  |  | 33296908 |  | 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.) | The loan file does not document the Borrower's ownership in the business used for income qualification. |  |  |  | Reviewer Comment (2025-01-20): Documents received, system cleared.<br>Buyer Comment (2025-01-06): Our borrower is a Real Estate Agent the UW used her commission income only, bwr has not running any business. see P/L statements attached. | 01/20/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 558305360 |  |  |  | 33296909 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-07): [Redacted]received valid COC document.<br>Buyer Comment (2025-01-06): The Lender credit was applied to the file because bwr accepted lower LTV @ [Redacted]% please see attached documents. | 01/07/2025 |  |  | 1 C A |  | MI | 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 |
|  | 558305360 |  |  |  | 33296910 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] without a valid COC. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-07): Sufficient cure provided at closing.<br>Buyer Comment (2025-01-06): Please see Final CD dated [Redacted]showing a lender credit for the amount of $[Redacted]reflecting on page #[Redacted] of [Redacted] under section J. | 01/07/2025 |  |  | 1 C A |  | MI | 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 |
|  | 558305360 |  |  |  | 33296911 |  | 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. | The loan file does not document the Borrower's ownership in the business used for income qualification. |  |  |  | Reviewer Comment (2025-01-20): Documents received, system cleared.<br>Buyer Comment (2025-01-14): Our borrower is a Real Estate Agent the UW used her commission income only, bwr has not running any business. see P/L statements attached. | 01/20/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 558305360 |  |  |  | 33296912 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file does not document the Borrower's ownership in the business used for income qualification. |  |  |  | Reviewer Comment (2025-01-20): Documents received, system cleared.<br>Buyer Comment (2025-01-06): Our borrower is a Real Estate Agent the UW used her commission income only, bwr has not running any business. see P/L statements attached. | 01/20/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 582492458 |  |  |  | 33296916 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Borrower is a permanent resident alien. Borrower's permanent resident card expires [Redacted] and there is no evidence of USCIS Form I-751, as required by Guidelines. |  |  |  | Reviewer Comment (2025-01-10): Received[Redacted]form, Exception cleared.<br>Buyer Comment (2025-01-07): Please see [Redacted] form attached. bwr is in the process to renew her Resident Card | 01/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296931 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive copy of appraisal not provided. |  |  |  | Reviewer Comment (2025-01-08): [Redacted]received LE.<br>Buyer Comment (2025-01-07): Attached to exception [Redacted]. | 01/08/2025 |  |  | 1 B A |  | PA | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes |
|  | 583180328 |  |  |  | 33296932 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Right to receive copy of appraisal not provided. |  |  |  | Reviewer Comment (2025-01-08): [Redacted]received LE.<br>Buyer Comment (2025-01-07): Attached to exception [Redacted]. | 01/08/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296933 |  | 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. | Right to receive copy of appraisal not provided. |  |  |  | Reviewer Comment (2025-01-08): [Redacted]received LE.<br>Buyer Comment (2025-01-07): Attached. | 01/08/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296934 |  | 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. | Homeownership Counseling List not provided. |  |  |  | Reviewer Comment (2025-01-21): Disclosure delivery in file, system cleared.<br>Buyer Comment (2025-01-07): See attached, page[Redacted]shows this disclosure was included with initial package. | 01/21/2025 |  |  | 1 B A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296935 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD Issued less than 6 days prior to closing |  |  |  | Reviewer Comment (2025-01-10): [Redacted]received initial CD.<br>Buyer Comment (2025-01-09): Attached.<br>Reviewer Comment (2025-01-08): Only CD is file is dated [Redacted] and closing was [Redacted]. Please provide initial CD.<br>Buyer Comment (2025-01-07): See attached tracking, "Actual Received Date" field. | 01/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296936 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan estimate not provided. |  |  |  | Reviewer Comment (2025-01-08): [Redacted]received LE.<br>Buyer Comment (2025-01-07): Loan Estimates attached. | 01/08/2025 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296938 |  | Credit | Credit | Miscellaneous | Credit | AUS Findings: Reverified Available for Closing discrepancy. | Calculated Reverified Available for Closing of ___ is less than AUS Available for Closing of ___. | Unverifiable housing (Guidelines require 12 months cancelled checks or banks statements when rents are paid to an individual) | 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. | Excellent Credit Management with FICO [Redacted]+ | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296939 |  | 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 (2025-01-10): Invoice and Closing disclosure document reflecting Appraisal Invoice which is Paid outside closing updated and associated. Exception cleared<br>Buyer Comment (2025-01-07): See attached invoice showing borrower paid appraisal with funds other than the assets used to qualify. POC fees should be added back to borrower reserves, which causes reserves to meet[Redacted]-month requirement. | 01/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296940 |  | 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 reserve requirement not met. |  |  |  | Reviewer Comment (2025-01-10): Invoice and Closing disclosure document reflecting Appraisal Invoice which is Paid outside closing updated and associated. Exception cleared<br>Buyer Comment (2025-01-07): Attached to exception [Redacted]. | 01/10/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 583180328 |  |  |  | 33296941 |  | 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 reserve requirement not met. |  |  |  | Reviewer Comment (2025-01-10): Invoice and Closing disclosure document reflecting Appraisal Invoice which is Paid outside closing updated and associated. Exception cleared<br>Buyer Comment (2025-01-07): Attached to exception [Redacted]. | 01/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296942 |  | 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.) | Waterfall due to 6 months reserve requrnment not met. |  |  |  | Reviewer Comment (2025-01-10): Invoice and Closing disclosure document reflecting Appraisal Invoice which is Paid outside closing updated and associated. Exception cleared<br>Buyer Comment (2025-01-07): Attached to exception [Redacted]. | 01/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296943 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to 6 months reserve requirement not met. |  |  |  | Reviewer Comment (2025-01-10): Invoice and Closing disclosure document reflecting Appraisal Invoice which is Paid outside closing updated and associated. Exception cleared<br>Buyer Comment (2025-01-07): Attached to exception [Redacted]. | 01/10/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 583180328 |  |  |  | 33296944 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee added without notice of VCC. Cure is required. |  |  |  | Reviewer Comment (2025-01-22): [Redacted]received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2025-01-21): Completed cure attached. |  | 01/22/2025 |  | 2 B |  | PA | 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 |
|  | 530745887 |  |  |  | 33296972 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is not provided |  |  |  | Reviewer Comment (2025-01-29): E-sign Consent Agreement received and updated. Exception cleared<br>Buyer Comment (2025-01-28): eConsent uploaded. | 01/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
|  | 525697443 |  |  |  | 33296999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. The Credit Report Fee increased to $[Redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-06): [Redacted]received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded. |  | 02/06/2025 |  | 2 C B |  | NY | 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 |
|  | 563342231 |  |  |  | 33297002 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-29): [Redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-01-28): PCCD and payment history reflecting PR uploaded. |  | 01/29/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | 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 |
|  | 563342231 |  |  |  | 33297003 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require 2 appraisals to use current appraised value. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The 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.<br>Miscellaneous<br>Miscellaneous | Residual income > $[Redacted].<br>Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Low housing ratio of [Redacted]% or less.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 563342231 |  |  |  | 33297005 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Closing Disclosure issued on [Redacted] does not reflect a Credit re-issue fee of $[Redacted]. The Closing Disclosure issued on [Redacted] reflects the Credit re-issue fee of $[Redacted]. The Changed Circumstance does not identify the credit fee and the final Closing Disclosure does not reflect the Tolerance Cure. |  |  |  | Reviewer Comment (2025-01-29): [Redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-01-28): PCCD and payment history reflecting PR uploaded. |  | 01/29/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | 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 |
|  | 563342231 |  |  |  | 33297007 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Guidelines require 2 appraisals to use current appraised value. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The 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.<br>Miscellaneous<br>Miscellaneous | Residual income > $[Redacted].<br>Substantial cash reserves.<br>Excellent credit management with FICO [Redacted]+.<br>Low housing ratio of [Redacted]% or less.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 536588439 |  |  |  | 33297012 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-01-27): Documents received, system cleared.<br>Buyer Comment (2025-01-22): List uploaded. | 01/27/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 536588439 |  |  |  | 33297015 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business has not been in existence for [Redacted] years. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Housing Ratio [Redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-10): Lender Exception with Compensating Factors provided. |  |  | 01/10/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 536588439 |  |  |  | 33297016 |  | 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. | Business has not been in existence for [Redacted] years. |  |  |  | Reviewer Comment (2025-01-10): System cleared after Lender Exception with Compensating Factors provided. | 01/10/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 536588439 |  |  |  | 33297017 |  | 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.) | Business has not been in existence for [Redacted] years. |  |  |  | Reviewer Comment (2025-01-10): System cleared after Lender Exception with Compensating Factors provided. | 01/10/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 536588439 |  |  |  | 33297018 |  | 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. | Business has not been in existence for [Redacted] years. |  |  |  | Reviewer Comment (2025-01-10): System cleared after Lender Exception with Compensating Factors provided. | 01/10/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 576816968 |  |  |  | 33297038 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Guidelines require payoff, cumulative balance exceeds $[Redacted]. |  |  |  | Reviewer Comment (2025-02-03): N/A - Payment included in DTI ratios per attached guidelines. Payment for remaining collections and charge-offs included in DTI results in final DTI ≤ [Redacted]% (payment calculated at [Redacted]% of balance of remaining unpaid collections and charge-offs).<br>Buyer Comment (2025-01-27): Payoff is required for the[Redacted], which is not the program for this loan. This is a Flexible Advantage Program loan (no "Plus"). The requirement here is pasted below; the charge off was included in the DTI:<br> Under all other programs, collection and charge-off account balances<br> remaining after the exclusions listed above may remain open when one of the <br> following is met:<br> Ÿ Borrower has sufficient reserves to cover remaining collection and <br> charge-off balances (in addition to the published reserve requirement);<br> or<br> Ÿ Payment for remaining collections and charge-offs included in DTI <br> results in final DTI ≤ [Redacted]% (payment calculated at [Redacted]% of balance of <br> remaining unpaid collections and charge-offs) | 02/03/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 567209671 |  |  |  | 33297040 |  | 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's assets are insufficient to satisfy guideline minimum of 6 months PITI reserves. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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. | Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-17): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors. |  |  | 03/17/2025 | 2 B |  | FL | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
|  | 567209671 |  |  |  | 33297042 |  | 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 reserve requirement not met |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors, system cleared. | 01/22/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 567209671 |  |  |  | 33297043 |  | 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 reserve requirement not met |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors, system cleared. | 01/22/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
|  | 567209671 |  |  |  | 33297044 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax in loan estimate is $[Redacted] and closing disclosure reflects $[Redacted]. No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-02-06): [Redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-05): PCCD & PH |  | 02/06/2025 |  | 2 C B |  | FL | Primary | Refinance - Limited Cash-out GSE | 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 |
|  | 567209671 |  |  |  | 33297046 |  | 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.) | Borrower's assets are insufficient to satisfy guideline minimum of 6 months PITI reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors, system cleared. | 01/22/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
|  | 567209671 |  |  |  | 33297047 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's assets are insufficient to satisfy guideline minimum of 6 months PITI reserves. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [Redacted]% lower than matrix | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-17): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors. |  |  | 03/17/2025 | 2 B |  | FL | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
|  | 506997277 |  |  |  | 33297049 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Divorce decree/ Child support document not provided. |  |  |  | Reviewer Comment (2025-03-12): Documents received, system cleared.<br>Buyer Comment (2025-03-10): The document does NOT state the support will be automatically reinstated. It states, "support shall be automatically reinstated upon written notice to the Friend of the Court that the payee or the Department of Health and Human Services has requested support be reinstated." There is no evidence such a request has been or will be made.<br>Reviewer Comment (2025-03-05): Document in file reflects the support is suspended and will automatically be reinstated. The ages of the dependents on the 1003 reflect support will continue. In addition, final 1003 reflects child support payments. Exception remains.<br>Buyer Comment (2025-03-03): Please see attached, as of the closing date the borrower had no child support obligation.<br>Reviewer Comment (2025-02-03): Please provide Child support document, Exception remains.<br>Buyer Comment (2025-01-30): This should not be required, as guidelines only require "supporting documentation as evidence of the obligation." Guidelines then go on to list several options to meet that requirement, but those options are not exhaustive. The credit report serves as supporting documentation in this case.<br>Reviewer Comment (2025-01-28): Child Support document is not received in file. Exception Remains.<br>Buyer Comment (2025-01-27): This is documented on page [Redacted]/[Redacted], credit report, "[Redacted]..." labeled "Family Support." | 03/12/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 522625371 |  |  |  | 33297061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit Fee increased from $[Redacted] to $-[Redacted] without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-02-06): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded. |  | 02/06/2025 |  | 2 C B |  | 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 |
|  | 503191186 |  |  |  | 33297066 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-02-03): Documents received, system cleared.<br>Buyer Comment (2025-01-28): PC LOE, updated initial escrow account disclosure and proof of delivery uploaded. | 02/03/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 503191186 |  |  |  | 33297067 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: 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 (2025-01-16): Sufficient Cure Provided within [Redacted] Days of Closing |  | 01/16/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | 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 |
|  | 503191186 |  |  |  | 33297068 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Commitment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-01-16): Sufficient Cure Provided within [Redacted] Days of Closing |  | 01/16/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | 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 |
|  | 503191186 |  |  |  | 33297070 |  | 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 1026.43(c)(5) of [Redacted]% significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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>Miscellaneous<br>Miscellaneous | 5+ years on job.<br>Lender Exception with Compensating Factors.<br>Prior homeownership experience (No FC or Short Sale).<br>Total monthly payment savings of $[Redacted] or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-04): Lender Exception with Compensating Factors.<br>Reviewer Comment (2025-02-04): Regraded to EV2-B based on senior approval of DTI variance based on comp factors.<br>Buyer Comment (2025-01-28): UPE approved PTC by [Redacted] with CFs uploaded.<br>Reviewer Comment (2025-01-22): Provide additional compelling compensating factors for consideration of downgrading/waiving exception as DTI significantly exceeds guideline maximum. |  |  | 02/04/2025 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 503191186 |  |  |  | 33297071 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Commitment 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 Title - Commitment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. |  |  |  | Reviewer Comment (2025-01-16): Sufficient Cure Provided At Closing |  | 01/16/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 503191186 |  |  |  | 33297072 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI of [Redacted]% exceeds guidelines of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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>Miscellaneous<br>Miscellaneous | 5+ years on job.<br>Lender Exception with Compensating Factors.<br>Prior homeownership experience (No FC or Short Sale).<br>Total monthly payment savings of $[Redacted] or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-04): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-01-28): UPE approved PTC by [Redacted] with CFs uploaded.<br>Reviewer Comment (2025-01-22): Provide additional compelling compensating factors for consideration of downgrading/waiving exception as DTI significantly exceeds guideline maximum. |  |  | 02/04/2025 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 503191186 |  |  |  | 33297073 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI of [Redacted]% exceeds guidelines of [Redacted]%. |  |  |  | Reviewer Comment (2025-02-04): Loan is Non-QM.<br>Buyer Comment (2025-01-28): UPE approved PTC by [Redacted] with CFs uploaded.<br>Reviewer Comment (2025-01-22): Provide additional compelling compensating factors for consideration of downgrading/waiving exception as DTI significantly exceeds guideline maximum. | 02/04/2025 |  |  | 1 B A C |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 503191186 |  |  |  | 33297074 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI of [Redacted]% exceeds guidelines of [Redacted]%. |  |  |  | Reviewer Comment (2025-02-04): Loan is Non-QM.<br>Buyer Comment (2025-01-28): UPE approved PTC by [Redacted] with CFs uploaded.<br>Reviewer Comment (2025-01-22): Provide additional compelling compensating factors for consideration of downgrading/waiving exception as DTI significantly exceeds guideline maximum. | 02/04/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 504288445 |  |  |  | 33297075 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | The Bankruptcy Discharge paperwork is missing from the loan file. |  |  |  | Reviewer Comment (2025-02-13): Verification of discharge in file.<br>Buyer Comment (2025-02-03): BK documentation is not required, please escalate to [Redacted]/[Redacted].<br>Reviewer Comment (2025-01-31): Bankruptcy document is not received in file. Exception Remains.<br>Buyer Comment (2025-01-30): Please note, guidelines do not require documentation. Credit report reflects Bk discharged at least [Redacted]months from closing date. | 02/13/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 504288445 |  |  |  | 33297077 |  | 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 equal to or greater than the threshold of APOR [Redacted] % + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | This is cause by two Appraisal reports being ordered and used for the Purchase Transaction. |  |  |  | Reviewer Comment (2025-02-24): Multiple Appraisal Fees exception cured. Loan is HPML Compliant.<br>Buyer Comment (2025-02-20): Proof cure check was cashed.<br>Reviewer Comment (2025-02-13): FexEx tracking does not show delivery. Please provide confirmation of delivery.<br>Buyer Comment (2025-02-05): PCCD, LOE, cure check and proof of delivery uploaded. | 02/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 504288445 |  |  |  | 33297078 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | This is cause by two Appraisal reports being ordered and used for the Purchase Transaction. |  |  |  | Reviewer Comment (2025-02-24): Cure documentation received.<br>Buyer Comment (2025-02-20): Proof cure check was cashed.<br>Reviewer Comment (2025-02-13): [Redacted]tracking does not show delivery. Please provide confirmation of delivery. Email when complete.<br>Buyer Comment (2025-02-05): PCCD, LOE, cure check and proof of delivery uploaded. |  | 02/24/2025 |  | 2 C B |  | SC | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Non QM | Non QM | Yes |
|  | 588245053 |  |  |  | 33297083 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The loan file does contain a credit supplement report on the REO mortgage payment. However, it does not reflect that escrows are included within the payment. |  |  |  | Reviewer Comment (2025-02-06): Exception cleared - Mortgage statement received and updated clarity.<br>Buyer Comment (2025-02-05): That is not required, as the payment is included in the DTI. Because this is a FNMA loan, escrows are included within the payment.<br>Reviewer Comment (2025-02-03): Please provide document that payment of this property expenses are paid by borrower's ex-wife, Exception remains.<br>Buyer Comment (2025-01-30): The credit supplement shows the loan is a Fannie Mae loan, which typically do require escrows included within the payment. Additionally, the LOE provided by the borrower indicates his ex-wife, from whom he is not legally divorced, occupies this other property and makes the payments. Nevertheless, it is included in the DTI. | 02/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 588245053 |  |  |  | 33297085 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-15): Sufficient Cure Provided At Closing |  | 01/15/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 588245053 |  |  |  | 33297086 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | The red-flagged issues listed on the fraud report were not cleared. |  |  |  | Reviewer Comment (2025-02-10): Fraud Report provided.<br>Buyer Comment (2025-01-30): Attached. | 02/10/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 563618595 |  |  |  | 33297090 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2025-02-14): Signed letter of explanation from borrower describing the nature of the business, how income is generated, and how long the business has been in existence received and updated .Exception cleared<br>Buyer Comment (2025-02-13): Attached. | 02/14/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563618595 |  |  |  | 33297091 |  | 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. | The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2025-02-14): Signed letter of explanation from borrower describing the nature of the business, how income is generated, and how long the business has been in existence received and updated .Exception cleared<br>Buyer Comment (2025-02-13): Attached to finding [Redacted]. | 02/14/2025 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 563618595 |  |  |  | 33297092 |  | 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.) | The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2025-02-14): Signed letter of explanation from borrower describing the nature of the business, how income is generated, and how long the business has been in existence received and updated .Exception cleared<br>Buyer Comment (2025-02-13): Attached to finding [Redacted]. | 02/14/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563618595 |  |  |  | 33297093 |  | 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. | The borrower or tax preparer did not provide a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2025-02-14): Signed letter of explanation from borrower describing the nature of the business, how income is generated, and how long the business has been in existence received and updated .Exception cleared<br>Buyer Comment (2025-02-13): Attached to finding [Redacted]. | 02/14/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 510496743 |  |  |  | 33297103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit report fee increased by $[Redacted] which exceeds tolerance. Valid changed circumstance is missing |  |  |  | Reviewer Comment (2025-02-23): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-02-20): Completed cure attached.<br>Reviewer Comment (2025-02-07): [Redacted]received CD and also the COC present in the file doesn't specify the reason as to why the credit report fee were increased. Kindly provide supporting document for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-02-05): [Redacted] received the credit invoice on [Redacted] and updated the fee on the disclosure on[Redacted]. |  | 02/23/2025 |  | 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 |
|  | 510496743 |  |  |  | 33297105 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There are red flags on the Fraud Report that have not been addressed. |  |  |  | Reviewer Comment (2025-02-18): Cleared fraud report provided, exception cleared.<br>Buyer Comment (2025-02-12): Final complete copy attached. | 02/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 584787676 |  |  |  | 33297124 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence of receipt of Appraisal was found in file. |  |  |  | Buyer Comment (2025-03-05): accept grade [Redacted]<br>Reviewer Comment (2025-03-04): Appraisal sent to borrower[Redacted] with no evidence of receipt. Borrower did not received the appraisal [Redacted] days prior to closing.<br>Buyer Comment (2025-02-25): Proof of delivery uploaded |  |  | 03/05/2025 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 584787676 |  |  |  | 33297125 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-03-14): Documents received, system cleared.<br>Buyer Comment (2025-03-12): emailed updated appraisal report<br>Buyer Comment (2025-03-12): [Redacted] appraisal with no material or value changes<br>Buyer Comment (2025-03-12): [Redacted] appraisal emailed to borrower<br>Buyer Comment (2025-03-12): [Redacted] appraisal report<br>Buyer Comment (2025-03-12): please downgrade exception level to [Redacted]based on appraisal delivery after closing<br>Reviewer Comment (2025-03-10): Appraisal provided [Redacted]; however this puts receipt at [Redacted] (as no evidence in file that Borrower received the report[Redacted] day mailbox rule applies), which is not[Redacted] days prior to closing. Loan file does not provide evidence that the report was received by Borrower exception remains.<br>Buyer Comment (2025-03-05): emailed copy of appraisal report with no material changes, please update exception grade to[Redacted]<br>Reviewer Comment (2025-03-04): Appraisal sent to borrower [Redacted] with no evidence of receipt. Borrower did not received the appraisal [Redacted] days prior to closing.<br>Buyer Comment (2025-02-25): Proof of delivery uploaded | 03/14/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 584787676 |  |  |  | 33297126 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence of receipt of Appraisal was found in file. |  |  |  | Reviewer Comment (2025-03-14): Documents received, system cleared.<br>Buyer Comment (2025-03-12): Uploaded: original appraisal dated [Redacted]with emailed copy of report, updated appraisal report with no material or value changes and emailed copy of report to borrower. Please downgrade report to a level 2<br>Buyer Comment (2025-03-12): Uploaded: original appraisal dated [Redacted] with emailed copy of report, updated appraisal report with no material or value changes and emailed copy of report to borrower. Please downgrade report to a level 2<br>Buyer Comment (2025-03-12): Uploaded: original appraisal dated [Redacted] with emailed copy of report, updated appraisal report with no material or value changes and emailed copy of report to borrower. Please downgrade report to a level 2<br>Buyer Comment (2025-03-12): please downgrade exception to level [Redacted] based on appraisal delivery after closing<br>Reviewer Comment (2025-03-10): Appraisal provided [Redacted]; however this puts receipt at[Redacted] (as no evidence in file that Borrower received the report [Redacted]day mailbox rule applies), which is not[Redacted] days prior to closing. Loan file does not provide evidence that the report was received by Borrower exception remains.<br>Buyer Comment (2025-03-05): emailed copy of appraisal report with no material changes, please update exception grade to [Redacted]<br>Reviewer Comment (2025-03-04): Appraisal sent to borrower [Redacted] with no evidence of receipt. Borrower did not received the appraisal [Redacted] days prior to closing.<br>Buyer Comment (2025-02-25): Proof of delivery uploaded | 03/14/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 584787676 |  |  |  | 33297128 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is in rural neighborhood, guidelines do not allow rural properties. | 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [Redacted]+<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio of [Redacted]% or less | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-29): Lender Exception with Compensating Factors. |  |  | 01/29/2025 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 584787676 |  |  |  | 33297130 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-03-15): accept grade [Redacted] |  |  | 03/15/2025 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297132 |  | 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 does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  |  |  | Reviewer Comment (2025-02-05): Initial LE provided<br>Buyer Comment (2025-02-04): Disclosure tracking summary uploaded. | 02/05/2025 |  |  | 1 B A |  | NY | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes |
|  | 528109639 |  |  |  | 33297133 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-02-18): Approve<br>Reviewer Comment (2025-02-17): Evidence of delivery not found in file. Exception remains.<br>Buyer Comment (2025-02-04): Disclosure tracking summary reflecting disclosure delivered with initial disclosure package. |  |  | 02/18/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297135 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-02-17): Disclosure tracking provided, system cleared.<br>Buyer Comment (2025-02-04): Disclosure tracking summary reflecting disclosure delivered with initial disclosure package. | 02/17/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297136 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate is missing in file. |  |  |  | Reviewer Comment (2025-02-05): Initial LE provided<br>Buyer Comment (2025-02-04): Initial LE uploaded. | 02/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297138 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-02-05): [Redacted]received initial CD dated [Redacted]<br>Buyer Comment (2025-02-04): Initial CD and disclosure tracking details uploaded. | 02/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297139 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Provide the additional bank statement for the account ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-06): Exception cleared - Received additional assets for the account ending [Redacted]and updated in [Redacted].<br>Buyer Comment (2025-02-05): Additional bank statement uploaded. | 02/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297140 |  | 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. | Missing additional bank statement for the account ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-06): Exception cleared - Received additional assets for the account ending [Redacted]and updated in [Redacted].<br>Buyer Comment (2025-02-05): Additional bank statement uploaded. | 02/06/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 528109639 |  |  |  | 33297141 |  | 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.) | Missing additional bank statement for the account ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-06): Exception cleared - Received additional assets for the account ending [Redacted]and updated in [Redacted].<br>Buyer Comment (2025-02-05): Additional bank statement uploaded. | 02/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297142 |  | 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. | Missing additional bank statement for the account ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-06): Exception cleared - Received additional assets for the account ending [Redacted]and updated in [Redacted].<br>Buyer Comment (2025-02-05): Additional bank statement uploaded. | 02/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297143 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted] % moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender approved exception allowing ratios that exceed guideline (Max ratios allowed [Redacted]%, actual ratios [Redacted]%) | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-30): Lender Exception with Compensating Factors. |  |  | 01/30/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297144 |  | 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 ___. | Lender approved exception allowing ratios that exceed guideline (Max ratios allowed [Redacted]%, actual ratios [Redacted]%) | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-30): Lender Exception with Compensating Factors. |  |  | 01/30/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297145 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Missing additional bank statement for the account ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-06): Exception cleared - Received additional assets for the account ending [Redacted]and updated in [Redacted].<br>Buyer Comment (2025-02-05): Additional bank statement uploaded. | 02/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297146 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment 10 business days prior to Note date. |  |  |  | Reviewer Comment (2025-02-05): Business entity document provided within [Redacted]business days prior to closing exception cleared.<br>Buyer Comment (2025-02-04): Third party verification and proof it was pulled within [Redacted]business days of closing uploaded.<br>Buyer Comment (2025-02-04): Third party verification and proof it was pulled within [Redacted] business days of closing uploaded. | 02/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297147 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of employment 10 business days prior to Note date. |  |  |  | Reviewer Comment (2025-02-05): Business entity document provided within [Redacted]business days prior to closing exception cleared.<br>Buyer Comment (2025-02-04): Third party verification and proof it was pulled within [Redacted]business days of closing uploaded. | 02/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 528109639 |  |  |  | 33297148 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid Changed Circumstance for title - settlement fee increase or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  |  |  | Reviewer Comment (2025-02-05): Initial LE provided | 02/05/2025 |  |  | 1 A |  | NY | 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 |
|  | 582244537 |  |  |  | 33297191 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement Initial Deposit of $[Redacted] does not match charges on HUD-1/Final Closing Disclosure of $[Redacted]. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-06): Cover letter, updated initial escrow acct disclosure and CD uploaded | 02/18/2025 |  |  | 1 B A |  | MO | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
|  | 582244537 |  |  |  | 33297193 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business in existence < 2 years (Guideline: Require 2 years). Borrower has been self employed (Same Job) for about X years, however she just formed an LLC in [Redacted]. | 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 X 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>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA)<br>Low default risk with equity, LTV [Redacted]% lower than matrix.<br>Excellent credit management with FICO 720+ | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-01-30): Lender exception with compensating factors. |  |  | 01/30/2025 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582244537 |  |  |  | 33297194 |  | 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. | Business in existence < 2 years (Guideline: Require 2 years). Borrower has been self employed (Same Job) for about X years, however she just formed an LLC in [Redacted]. |  |  |  | Reviewer Comment (2025-01-30): Lender exception with compensating factors, system cleared. | 01/30/2025 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 582244537 |  |  |  | 33297195 |  | 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.) | Business in existence < 2 years (Guideline: Require 2 years). Borrower has been self employed (Same Job) for about X years, however she just formed an LLC in [Redacted]. |  |  |  | Reviewer Comment (2025-01-30): Lender exception with compensating factors, system cleared. | 01/30/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 582244537 |  |  |  | 33297196 |  | 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. | Business in existence < 2 years (Guideline: Require 2 years). Borrower has been self employed (Same Job) for about X years, however she just formed an LLC in [Redacted]. |  |  |  | Reviewer Comment (2025-01-30): Lender exception with compensating factors, system cleared. | 01/30/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 543323734 |  |  |  | 33297219 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  | Buyer Comment (2025-02-03): Approve |  |  | 02/03/2025 | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 535721269 |  |  |  | 33297221 |  | 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. | Rate Set Date Not Provided |  |  |  | Reviewer Comment (2025-02-21): Rate lock provided, system cleared.<br>Buyer Comment (2025-02-14): Attached; initial lock date was [Redacted]. | 02/21/2025 |  |  | 1 B A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 535721269 |  |  |  | 33297223 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-02-14): The seller applied at $[Redacted]cure at closing, see page [Redacted]section J of the consummation CD. | 02/17/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | 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 |
|  | 535721269 |  |  |  | 33297224 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-17): [Redacted]received rebuttal comment and as per the COC dated [Redacted].<br>Buyer Comment (2025-02-14): The LE disclosing the disaster inspection was provided [Redacted], within [Redacted] days of the declaration of the Hurricane Helene disaster on [Redacted] | 02/17/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | 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 |
|  | 535721269 |  |  |  | 33297226 |  | 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 PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [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>Miscellaneous | Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 535721269 |  |  |  | 33297227 |  | 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. | Due to reserve discrepancy in file |  |  |  | Reviewer Comment (2025-01-29): Lender exception with compensating factors, system cleared. | 01/29/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 535721269 |  |  |  | 33297228 |  | 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. | Due to reserve discrepancy in file |  |  |  | Reviewer Comment (2025-01-29): Lender exception with compensating factors, system cleared. | 01/29/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 535721269 |  |  |  | 33297229 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-17): Sufficient Cure Provided At Closing |  | 02/17/2025 |  | 1 A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 599803314 |  |  |  | 33297244 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation (Appraisal Report Date [Redacted]) to applicant three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-02-07): accept grade 2 condition |  |  | 02/07/2025 | 2 B |  | MD | Investment | Purchase | B A | Non QM | N/A | No |
|  | 560372662 |  |  |  | 33297247 |  | 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 that does not have a declared end date. |  |  |  | Reviewer Comment (2025-02-18): PDI provided prior to end date damage free, exception cleared.<br>Buyer Comment (2025-02-11): Disaster reinspection report uploaded. | 02/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 560372662 |  |  |  | 33297249 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-02-06): Received Evidence of Taxpayer Consent, Exception cleared.<br>Buyer Comment (2025-02-05): Disclosures uploaded. | 02/06/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 560372662 |  |  |  | 33297250 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-04): [Redacted] Received Corrected PCCD, LOE and Payment History.<br>Buyer Comment (2025-03-04): PCCD, LOE and payment history reflecting PR uploaded.<br>Reviewer Comment (2025-02-25): [Redacted] received valid COC for [Redacted], however on PCCD dated [Redacted] lender credit of $[Redacted]was removed and lender credit decreased to $[Redacted]. Cure would be required as credit decreased on PCCD. Please provide cure documents for $[Redacted] which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-02-21): Updated COC uploaded reflecting VCOC.<br>Reviewer Comment (2025-02-12): [Redacted]received rebuttal comment. However, we also required documentation of timeline for review and to provide information supporting lender's knowledge of when they became aware of the issues. Provide additional information to support a pricing change for the Lender credit decreased or cure would be due.<br>Buyer Comment (2025-02-11): UPE was approved for unverifiable housing and not meeting [Redacted]year history of W2 employment/income and is a VCOC reason.<br>Reviewer Comment (2025-02-07): [Redacted]received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the fee was increased as COC only states UPE approved. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-02-05): VCOC uploaded. |  | 03/04/2025 |  | 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 |
|  | 560372662 |  |  |  | 33297252 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing bank statements or cancelled checks to verify rental payments to an individual. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>- Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-31): Lender Exception with Compensating Factors. |  |  | 01/31/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 560372662 |  |  |  | 33297253 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrower does not have a [Redacted] year history of W-2 employment income. Previously, borrower was self-employed and has less than [Redacted] months W-2 employment income. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>- Excellent Credit Management with FICO 720+ | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-31): Lender Exception with Compensating Factors. |  |  | 01/31/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 567817589 |  |  |  | 33297271 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2025-02-13): Documentation provided. Cleared.<br>Buyer Comment (2025-02-03): Initial escrow acct disclosure uploaded. | 02/13/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 567817589 |  |  |  | 33297272 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Buyer Comment (2025-02-03): Approve |  |  | 02/03/2025 | 2 B |  | 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 B | Non QM | Non QM | Yes |
|  | 506578597 |  |  |  | 33297275 |  | 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 ___. | Loan amount of $[Redacted] exceeds guidelines allowable maximum loan amount of $[Redacted] | Borrower has verified disposable income of at least $[Redacted].<br>Miscellaneous<br>Miscellaneous | Residual income greater than $[Redacted].<br>Excellent credit management with FICO 720+.<br>Prior homeownership experience (No FC or Short Sale) | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): UPE approved PTC by [Redacted] with sufficient CFs uploaded.<br>Reviewer Comment (2025-01-31): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 02/18/2025 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 506578597 |  |  |  | 33297276 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-30): Sufficient Cure Provided At Closing |  | 01/30/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 506578597 |  |  |  | 33297277 |  | 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 ___. | LTV exceeds maximum allowable of [Redacted]% for a loan amount of $[Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Miscellaneous<br>Miscellaneous | Residual income greater than $[Redacted].<br>Excellent credit management with FICO 720+.<br>Prior homeownership experience (No FC or Short Sale) | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): UPE approved PTC by [Redacted] with sufficient CFs uploaded.<br>Reviewer Comment (2025-01-31): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 02/18/2025 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 506578597 |  |  |  | 33297278 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | CLTV exceeds maximum allowable of [Redacted]% for a loan amount of $[Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Miscellaneous<br>Miscellaneous | Residual income greater than $[Redacted].<br>Excellent credit management with FICO 720+.<br>Prior homeownership experience (No FC or Short Sale) | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): UPE approved PTC by [Redacted] with sufficient CFs uploaded.<br>Reviewer Comment (2025-01-31): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 02/18/2025 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559757853 |  |  |  | 33297289 |  | 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. | File is missing evidence of receipt of Appraisal by borrower. |  |  |  | Reviewer Comment (2025-02-17): Waived per client request<br>Buyer Comment (2025-02-05): Appraisal proof revised appraisal delivered. Please note, value was not affected. Please downgrade and waive. |  |  | 02/17/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 559757853 |  |  |  | 33297290 |  | 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 equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-02-17): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Appraisal proof revised appraisal delivered. Please note, value was not affected. Please downgrade and waive. | 02/17/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 559757853 |  |  |  | 33297291 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence of appraisal being sent to borrower at least 3 days prior to closing. |  |  |  | Reviewer Comment (2025-02-17): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Appraisal proof revised appraisal delivered. Please note, value was not affected. Please downgrade and waive. | 02/17/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 559757853 |  |  |  | 33297293 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | File does not contain a valid COC for the Credit Report fee increase, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-02-11): [Redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-11): PCCD and payment history reflecting PR uploaded. |  | 02/11/2025 |  | 2 C B |  | NJ | 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 |
|  | 559757853 |  |  |  | 33297294 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. A Title - Wire /Funding/ Disbursement Fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-12): [Redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-11): PCCD and payment history reflecting PR uploaded. |  | 02/12/2025 |  | 2 C B |  | NJ | 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 |
|  | 559757853 |  |  |  | 33297295 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. A Title - Document Preparation Fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-12): [Redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-11): PCCD and payment history reflecting PR uploaded. |  | 02/12/2025 |  | 2 C B |  | NJ | 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 |
|  | 559757853 |  |  |  | 33297297 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-02-17): Waived per client request |  |  | 02/17/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 554835226 |  |  |  | 33297299 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Evidence the FACTA disclosure was provided to the Borrower at least three days after credit report was initial pulled, is missing from the loan file. |  |  |  | Buyer Comment (2025-02-20): Approve |  |  | 02/20/2025 | 2 B |  | WV | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 554835226 |  |  |  | 33297301 |  | 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. | The maximum DTI is [Redacted]%. The calculated DTI is [Redacted]%. |  |  |  | Reviewer Comment (2025-02-12): Lender exception with compensating factors, system cleared. | 02/12/2025 |  |  | 1 B A C |  | WV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 554835226 |  |  |  | 33297302 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The maximum DTI is [Redacted]%. The calculated DTI is [Redacted]%. | 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>Miscellaneous | Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-12): Lender exception with compensating factors. |  |  | 02/12/2025 | 2 B |  | WV | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 554835226 |  |  |  | 33297303 |  | 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 ___. | The maximum DTI is [Redacted]%. The calculated DTI is [Redacted]%. | 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>Miscellaneous | Residual income > $[Redacted].<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-12): Lender exception with compensating factors. |  |  | 02/12/2025 | 2 B |  | WV | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 554835226 |  |  |  | 33297304 |  | 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. | The maximum DTI is [Redacted]%. The calculated DTI is [Redacted]%. |  |  |  | Reviewer Comment (2025-02-12): Lender exception with compensating factors, system cleared. | 02/12/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 554835226 |  |  |  | 33297305 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence the Borrower can use funds without effect on business is missing from the loan file. |  |  |  | Reviewer Comment (2025-02-24): CPA Letter received and associated. Exception Cleared.<br>Buyer Comment (2025-02-21): CPA letter uploaded addressing use of business funds.<br>Buyer Comment (2025-02-21): The borrower is a realtor and the account is in the borrowers name as an individual.<br>Reviewer Comment (2025-02-21): Required Evidence of Access to Funds letter from a CPA to verify that the funds will not have a negative impact on the business. Exception remains.<br>Buyer Comment (2025-02-20): Please note, business account is in the name of the individual and additional documentation is not required. | 02/24/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 554835226 |  |  |  | 33297306 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The final closing disclosure does not reflect the receipt of the $[Redacted] in gift funds. |  |  |  | Reviewer Comment (2025-03-03): Exception Cleared - Received Wire Confirmation for Gift funds $[Redacted]deposited to settlement agent.<br>Buyer Comment (2025-02-28): Proof wire received into escrow.<br>Reviewer Comment (2025-02-24): Exception Remains - Required Source of Funds for Gift funds $[Redacted]required donors bank statement or borrowers bank statement reflecting gift funds debited or credit, Provided PCCD is post closed dated.<br>Buyer Comment (2025-02-20): PCCD reflecting gift funds uploaded. | 03/03/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 513646819 |  |  |  | 33297308 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification document is not provided for REO property - [Redacted] |  |  |  | Reviewer Comment (2025-03-11): Received<br>Buyer Comment (2025-03-06): Could you please kindly review one more time the documents attached that includes a LOE from bwr stating that the monthly rent from his mobile home includes the property taxes. Please see again REO documents attached<br>Reviewer Comment (2025-03-05): Provided tax document states the tax amount is beginning [Redacted]and ending [Redacted] [Redacted]as borrower qualified for the year [Redacted]. There is no mention of the year [Redacted]or [Redacted].<br>Buyer Comment (2025-03-03): Could you please review one more time the documents attached? page # [Redacted] of [Redacted] stated that Property taxes are exempted for the year [Redacted]and date of the letter is [Redacted]or kindly escalate this discrepancy with your team lead?<br>Reviewer Comment (2025-02-21): Exception Remains - Provided tax document is for year [Redacted]as our note date is [Redacted], We required latest document for tax verification for REO property [Redacted] tax amount is considered in DTI calculation.<br>Buyer Comment (2025-02-19): Please see documents attached which looks like the property is exempted to pay property taxes. | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 513646819 |  |  |  | 33297310 |  | 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. |  |  |  |  | Reviewer Comment (2025-02-21): Exception Cleared - Received proof of appraisal delivered to borrower data updated as per provided documents.<br>Buyer Comment (2025-02-19): Please see proof of appraisal been delivery to bwr. | 02/21/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 513646819 |  |  |  | 33297311 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review 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 Review Fee. An Appraisal Review fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-24): [Redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-03-21): Please see PCCD & Pymt history showing a cure for $[Redacted]due to increase in appraisal report fee.<br>Reviewer Comment (2025-03-04): [Redacted]received rebuttal comment, however, provided 1004 in the loan file completed with "As Is status" and does not mention subject to repair or subject to completion. Moreover, on CD dated [Redacted] added appraisal review fee in the amount of $[Redacted]and Re-inspection added of $[Redacted]. Hence, we also required additional information of the reason for the addition of the appraisal review fee and inspection fee added What information was received that required the fee and when was that information received, or Cure would be due to borrower.<br>Buyer Comment (2025-03-03): The additional fee was added because we had run a new appraisal update and or completion report which dated [Redacted]. which is between [Redacted]business days of adding the re-inspection report. see attached 1004 report<br>Reviewer Comment (2025-02-21): [Redacted]received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the additional review fee was required. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-02-19): Please see CD dated [Redacted], COC and proof of delivery attached. showing that increase was a valid increase. |  | 03/24/2025 |  | 2 C B |  | NY | 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 |
|  | 513646819 |  |  |  | 33297312 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. A Credit Report Re-Issue fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-21): [Redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-02-19): Please see PCCD attached showing a cure for $[Redacted]for increase in credit report |  | 02/21/2025 |  | 2 C B |  | NY | 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 |
|  | 557417245 |  |  |  | 33297325 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-04-02): IEAD uploaded. |  | 04/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 557417245 |  |  |  | 33297326 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-04-02): IEAD uploaded reflecting consummation CD correctly discloses loan will not have escrows. |  | 04/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 557417245 |  |  |  | 33297327 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received corrected PCCD & LOE<br>Buyer Comment (2025-04-02): IEAD uploaded reflecting consummation CD correctly discloses loan will not have escrows. |  | 04/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 557417245 |  |  |  | 33297328 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-04-02): IEAD uploaded reflecting consummation CD correctly discloses loan will not have escrows. |  | 04/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 557417245 |  |  |  | 33297329 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received corrected PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2025-04-02): PCCD and payment history reflecting PR uploaded. |  | 04/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | 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 |
|  | 557417245 |  |  |  | 33297330 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $[Redacted] plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received corrected PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2025-04-02): PCCD and payment history reflecting PR uploaded. |  | 04/03/2025 |  | 2 C B |  | NY | Primary | Refinance - Rate/Term | 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 |
|  | 557417245 |  |  |  | 33297331 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower was not in title to the property at origination and no Deed in file reflecting ownership transfer. |  |  |  | Reviewer Comment (2025-03-24): Provided.<br>Buyer Comment (2025-03-21): Separation agreement reflecting borrower has been awarded subject property. | 03/24/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 593594636 |  |  |  | 33325693 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Tradeline requirement not met, lender exception in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years. | $[Redacted] residual income. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-30): The client elects to waive with comp factors.<br>Reviewer Comment (2025-04-24): Lender exception in file. |  |  | 04/30/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 500598570 |  |  |  | 33318493 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-06): [Redacted]Received COC dated [Redacted] and file contains supporting document showing Appraisal receipt date as [Redacted]<br>Buyer Comment (2025-04-03): See Uploaded CoC | 04/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 500598570 |  |  |  | 33318494 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero 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. |  |  |  | Reviewer Comment (2025-04-09): [Redacted]received a valid COC.<br>Buyer Comment (2025-04-08): See Updated CoC<br>Reviewer Comment (2025-04-06): [Redacted]received Changed Circumstance dated [Redacted] but it does not give sufficient information on why the CDA fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-04-03): See Uploaded CoC | 04/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 500598570 |  |  |  | 33318495 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of Business Bank Statements for two months. ([Redacted] and [Redacted]). |  |  |  | Reviewer Comment (2025-04-09): Received and associated business bank statements from [Redacted] # [Redacted]covering period from [Redacted] to [Redacted] and [Redacted] to [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-08): See Uploaded Business Bank Statements for [Redacted] and [Redacted] [Redacted]acct # [Redacted]<br>Reviewer Comment (2025-04-07): Received "Business Bank Statement A/C number is # [Redacted]" however, Income Calculated "Business Bank Statement A/C number is # [Redacted]". Please provided Business bank statements for [Redacted]months "([Redacted] and [Redacted] [Redacted]) account ending with # [Redacted]". Exception remains<br>Buyer Comment (2025-04-03): Business Bank Statements [Redacted]<br>Buyer Comment (2025-04-03): Business Bank Statements [Redacted]<br>Buyer Comment (2025-04-03): See Uploaded Business Bank Statements for [Redacted] and [Redacted] [Redacted] | 04/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 500598570 |  |  |  | 33318496 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file was missing a copy of Business Bank Statements for two months. ([Redacted] and [Redacted]). |  |  |  | Reviewer Comment (2025-04-09): Received and associated business bank statements from [Redacted] # [Redacted]covering period from [Redacted] to [Redacted] and [Redacted] to [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-08): See Uploaded Business Bank Statements for [Redacted] and [Redacted] [Redacted]acct # [Redacted]<br>Reviewer Comment (2025-04-07): Received "Business Bank Statement A/C number is # [Redacted]" however, Income Calculated "Business Bank Statement A/C number is # [Redacted]". Please provided Business bank statements for [Redacted]months "([Redacted] and [Redacted] [Redacted]) account ending with # [Redacted]". Exception remains<br>Buyer Comment (2025-04-03): See Uploaded Business Bank statements attached to condition # [Redacted]<br>Buyer Comment (2025-04-03): See Uploaded Business Bank Statements for [Redacted] and [Redacted] [Redacted] | 04/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 570495014 |  |  |  | 33318596 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated Articles of Organization/Formation for [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-08): See docs from lender - WA does not require Articles of Organization<br>Reviewer Comment (2025-04-08): Missing articles or formation/organization.<br>Buyer Comment (2025-04-07): See docs provided | 04/10/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 580748505 |  |  |  | 33318602 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for FTI on a refinance. | Miscellaneous<br>Borrower has a clean housing payment history<br>Miscellaneous<br>The qualifying DSCR on the loan is greater than the guideline minimum. | [Redacted] months reserves.<br>Housing payment history clean for [Redacted] months<br>Borrower has owned primary residence for [Redacted] years.<br>The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted] | Originator<br>Originator<br>Originator<br>SitusAMC,Aggregator | Reviewer Comment (2025-04-08): Lender exception in file. |  |  | 04/08/2025 | 2 C B |  | RI | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 569853558 |  |  |  | 33318608 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | The calculated DSCR is less than [Redacted], lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-14): Lender exception in file. |  |  | 04/14/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 569853558 |  |  |  | 33318609 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration over [Redacted]%, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-14): Lender exception in file. |  |  | 04/14/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 519468305 |  |  |  | 33318622 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-03-31): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-03-27): Attached<br>Buyer Comment (2025-03-27): Fraud report | 03/31/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 519468305 |  |  |  | 33318624 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing copy of HOA Verification. Tax Verification. |  |  |  | Reviewer Comment (2025-04-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-08): HOA Letter<br>Buyer Comment (2025-04-08): 1008<br>Buyer Comment (2025-04-08): ARC Final 1003<br>Reviewer Comment (2025-03-31): Provided Tax Verification document reflects$ [Redacted]however, final 1003 listed other payment as $[Redacted]Please provide supporting document for other payment of $[Redacted]. Exception remains<br>Buyer Comment (2025-03-27): Tx bill for [Redacted]. Land only. No HOA. | 04/09/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 519468305 |  |  |  | 33318625 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for a studio condotel. Approval in file. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-27): Lender exception in file. |  |  | 03/27/2025 | 2 B |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 519468305 |  |  |  | 33318626 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing a VVOE for [Redacted] dated within 10 business days prior to the Note date. |  |  |  | Reviewer Comment (2025-04-02): Received and Associated VVOE document for State Of [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-01): See Uploaded VVOE | 04/02/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 569162378 |  |  |  | 33318627 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for non-warrantable condo < [Redacted] sq ft. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-15): Lender exception in file. |  |  | 04/15/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
|  | 565002776 |  |  |  | 33356545 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | EAD category CO8, lender exception in file. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-27): Lender exception in file. |  |  | 04/27/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 554891314 |  |  |  | 33347121 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file was missing a copy of Note. |  |  |  | Reviewer Comment (2025-04-18): Note provided, exception cleared.<br>Buyer Comment (2025-04-17): Note<br>Buyer Comment (2025-04-17): Attached | 04/18/2025 |  |  | 1 D A |  | AZ | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 546263799 |  |  |  | 33368890 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for first time investor on a refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The Debt Service Coverage Ratio (DSCR) 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]%. | Over X months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-30): The client elects to waive. |  |  | 04/30/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 500454634 |  |  |  | 33392019 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for waiving of 12 months rental receipts. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. | Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-02): Exception approval in file with comp factors cited. |  |  | 05/02/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 516556056 |  |  |  | 33391851 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for a layered entity. | The representative FICO 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]%. | Exception approved with comp factors cited | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2025-05-02): Exception approved with comp factors cited. |  |  | 05/02/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 594361038 |  |  |  | 33393615 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The commitment title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-15): Documentation provided; exception cleared.<br>Seller Comment (2025-05-13): Attached the Title Commitment with the correct amount. | 05/15/2025 |  |  | 1 B A |  | MA | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 594361038 |  |  |  | 33396167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | The Closing Disclosure issued [Redacted] had a change in APR to [Redacted] from the [Redacted] APR on the prior CD dated [Redacted] and the borrower was not given a new 3 day waiting period. |  |  |  | Reviewer Comment (2025-05-12): [Redacted]received proof of sequence of [Redacted] CD's.<br>Seller Comment (2025-05-09): [Redacted] - Response to [Redacted] Reviewer comments: Entered comments in [Redacted]. Uploaded LOX, COC & Executed Re-disclosed CD issued [Redacted] prior to closing to Clarity. Re-disclosed CD [Redacted] - executed by both parties is the next CD disclosed following the ICD. This is Document # [Redacted]. Disclosed on [Redacted]5 @ [Redacted]. - APR [Redacted]%. Re-disclosed CD [Redacted] - Executed by Borrower - [Redacted] - [Redacted] is title holder only. This is Document # [Redacted] - last CD disclosed prior to closing on [Redacted]. Disclosed on [Redacted] @ [Redacted]pm., viewed and completed on [Redacted] - APR [Redacted]% - meets [Redacted]day waiting period due to increase in APR of . [Redacted]%. DocMagic eSign Console and MeridianLink disclosure tracking support the chronological order of disclosure for CD's issued [Redacted].<br>Seller Comment (2025-05-09): [Redacted] - Response to [Redacted] Reviewer comments: Entered comments in [Redacted]. Uploaded LOX, COC & Executed Re-disclosed CD issued [Redacted] prior to closing to Clarity. Re-disclosed CD [Redacted]- executed by both parties is the next CD disclosed following the ICD. This is Document # [Redacted]. Disclosed on [Redacted] @ [Redacted]. - APR [Redacted]%. Re-disclosed CD [Redacted] - Executed by Borrower - [Redacted] - [Redacted] is title holder only. This is Document # [Redacted]- last CD disclosed prior to closing on [Redacted]. Disclosed on [Redacted] @ [Redacted]., viewed and completed on [Redacted] - APR [Redacted]% - meets [Redacted]) day waiting period due to increase in APR of . [Redacted]%. DocMagic eSign Console and [Redacted] disclosure tracking support the chronological order of disclosure for CD's issued [Redacted].<br>Seller Comment (2025-05-09): [Redacted] - Response to [Redacted] Reviewer comments: Entered comments in [Redacted]. Uploaded LOX, COC & Executed Re-disclosed CD issued [Redacted] prior to closing to [Redacted]. Re-disclosed CD [Redacted] - executed by both parties is the next CD disclosed following the ICD. This is Document # [Redacted]. Disclosed on [Redacted] @ [Redacted]. - APR [Redacted]%. Re-disclosed CD [Redacted] - Executed by Borrower - [Redacted] - [Redacted]s is title holder only. This is Document # [Redacted]- last CD disclosed prior to closing on [Redacted]. Disclosed on [Redacted] @ [Redacted]., viewed and completed on [Redacted] - APR [Redacted]% - meets [Redacted] day waiting period due to increase in APR of . [Redacted]%. DocMagic eSign Console and [Redacted] disclosure tracking support the chronological order of disclosure for CD's issued [Redacted].<br>Reviewer Comment (2025-05-07): Document [Redacted]is being tested as a later CD and does show as signed. the earlier CD Doc [Redacted]is not signed. Both CD's must be tested as there are Lender Credit changes on the later CD, and signed CD shows a change in APR. Please provide documentation of received and issued dates for both CDs for accurate testing.<br>Seller Comment (2025-05-06): [Redacted]- Entered comments in DD Portal & Clarity. Exception is invalid - please cancel. CD issued [Redacted] executed via DocMagic eSign by both borrowers - located in [Redacted] - Document # [Redacted]. There is no timing issue - CD issued to borrower [Redacted], received and executed [Redacted], which is at least [Redacted]) business days from Executed Final CD issued at closing [Redacted]. Please review and cancel - document was available at time of review. | 05/12/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 539145600 |  |  |  | 33411204 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[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 |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 539145600 |  |  |  | 33411493 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Tradelines do not meet guideline requirement, lender exception provided. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income<br>[Redacted] months reserves. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-07): Lender exception in file. |  |  | 05/07/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 595378035 |  |  |  | 33404679 |  | 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 letter from non-borrower on shared accounts being used to qualify allowing use of [Redacted]% of funds by the borrower. |  |  |  | Reviewer Comment (2025-04-18): Please provide "Letter from Non-borrower on shared accounts being used to qualify allowing use [Redacted]% of funds by borrower". Exception remains<br>Buyer Comment (2025-04-16): Total Assets verified $[Redacted]contains sufficient reserves to meet guides. See provided Bank statements verifying assets. | 04/18/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 595378035 |  |  |  | 33404680 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing documentation to support possible second borrower on this loan. Note was signed by an additional party but there is no application or approval supporting his inclusion on the loan. |  |  |  | Reviewer Comment (2025-04-26): Corrected Note provided reflecting only one borrower. | 04/26/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 595378035 |  |  |  | 33404681 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | Missing letter from borrower's partner reflecting that the borrower has full access to all funds in business account. |  |  |  | Reviewer Comment (2025-04-18): Please provide "Letter from Non-borrower on shared accounts being used to qualify allowing use [Redacted]% of funds by borrower". Exception remains<br>Buyer Comment (2025-04-16): Total Assets verified $[Redacted]contains sufficient reserves to meet guides. See provided Bank statements verifying assets. | 04/18/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 595378035 |  |  |  | 33404682 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Guidelines require ___ of reserves, and verified reserves are ___. | Missing letter from borrower's partner reflecting that the borrower has full access to all funds in business account. |  |  |  | Reviewer Comment (2025-04-18): Please provide "Letter from Non-borrower on shared accounts being used to qualify allowing use [Redacted]% of funds by borrower". Exception remains<br>Buyer Comment (2025-04-16): Total Assets verified $[Redacted]contains sufficient reserves to meet guides. See provided Bank statements verifying assets. | 04/18/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 538215848 |  |  |  | 33404685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | . |  |  |  | Reviewer Comment (2025-04-23): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-21): Drive Report<br>Buyer Comment (2025-04-21): See Uploaded Final Drive Report | 04/23/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 538215848 |  |  |  | 33404686 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-04-23): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-21): Drive Report<br>Buyer Comment (2025-04-21): See Uploaded Final Drive Report | 04/23/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 563302700 |  |  |  | 33404691 |  | 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 ___. | Loan amount exceeds max loan amount allowed per guidelines, lender exception provided. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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 qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves<br>LTV and CLTV is [Redacted]% below guideline max.<br>LTV and CLTV is [Redacted]% below guideline max.<br>DTI s [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-24): Lender exception in file. |  |  | 04/24/2025 | 2 B |  | AZ | Investment | Purchase | B A |  | N/A | No |
|  | 518080322 |  |  |  | 33404695 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2025-04-22): [Redacted]received statement of fee purpose.<br>Buyer Comment (2025-04-21): See docs provided<br>Reviewer Comment (2025-04-17): [Redacted]received copy of email stating title service charge is part of borrower title insurance. In order to exclude "Title - Service Charges" from finance charge considerations on loans with a property state of Missouri, we would look for one of the following from the title company to be included in the loan file for documentation of the basis for exclusion: 1) an itemization of fees/services included in the "Title - Service Charges"; or 2) written confirmation/attestation from Title company that the fee labeled "Title - Service Charges" is comprised only of 4(c)(7) fees such as title examination, abstract of title, title insurance, property survey, and similar purposes, and does not include charges for ancillary title services such as title admin, title processing, etc. If title indicates in their attestation that this is their practice consistently for all transactions, a single attestation may be acceptable for all transactions where the property state is [Redacted] and the title company providing the attestation is the provider to whom the "Title - Service Charges" on the CD is paid to.<br>Buyer Comment (2025-04-15): See docs provided<br>Reviewer Comment (2025-04-14): [Redacted]received itemization of prepaid finance charges, however it is unclear why $[Redacted]Title - Service Charge was not included as a finance charge. Please provide a title invoice or similar documentation itemizing the services included in this fee for further review.<br>Buyer Comment (2025-04-10): See docs provided | 04/22/2025 |  |  | 1 C A |  | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
|  | 518080322 |  |  |  | 33404696 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2025-04-22): [Redacted]received statement of fee purpose.<br>Reviewer Comment (2025-04-17): [Redacted]received copy of email stating title service charge is part of borrower title insurance. In order to exclude "Title - Service Charges" from finance charge considerations on loans with a property state of Missouri, we would look for one of the following from the title company to be included in the loan file for documentation of the basis for exclusion: 1) an itemization of fees/services included in the "Title - Service Charges"; or 2) written confirmation/attestation from Title company that the fee labeled "Title - Service Charges" is comprised only of 4(c)(7) fees such as title examination, abstract of title, title insurance, property survey, and similar purposes, and does not include charges for ancillary title services such as title admin, title processing, etc. If title indicates in their attestation that this is their practice consistently for all transactions, a single attestation may be acceptable for all transactions where the property state is [Redacted] and the title company providing the attestation is the provider to whom the "Title - Service Charges" on the CD is paid to.<br>Buyer Comment (2025-04-15): See docs provided<br>Reviewer Comment (2025-04-14): [Redacted]received itemization of prepaid finance charges, however it is unclear why $[Redacted]Title - Service Charge was not included as a finance charge. Please provide a title invoice or similar documentation itemizing the services included in this fee for further review.<br>Buyer Comment (2025-04-10): See docs provided | 04/22/2025 |  |  | 1 C A |  | MO | 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 if Applicable | Non QM | Non QM | Yes |
|  | 518080322 |  |  |  | 33404698 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing evidence of borrower's percentage of business ownership. Two business narratives in file, one states [Redacted]% ownership, one reflects [Redacted]% ownership. |  |  |  | Reviewer Comment (2025-04-17): Received and associated updated 1003 final and 1008 document. Exception Cleared.<br>Buyer Comment (2025-04-15): See updated 1003 income<br>Reviewer Comment (2025-04-10): Received Business documents showing [Redacted]% Ownership of the business however Borrower is qualifying [Redacted]% Ownership, Please provide supporting documents. Exception remains.<br>Buyer Comment (2025-04-08): See docs provided | 04/17/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 577411345 |  |  |  | 33404701 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a lender exception in the file from the lender, however unable to determine what the exception is for based on the abbreviations uses<br> ed. Also, any lender exception requires a lender exception from Arc as well. |  |  |  | Reviewer Comment (2025-04-17): Explanation provided, exception cleared.<br>Buyer Comment (2025-04-15): See docs provided | 04/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 530563063 |  |  |  | 33404708 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Expense Letter from CPA for [Redacted] was not provided. Expense ratio from CPA (Option 2) was shown used on UW worksheet in file with [Redacted]% expense factor. |  |  |  | Reviewer Comment (2025-04-22): Client explanation provided, exception cleared.<br>Buyer Comment (2025-04-17): Lender's push back: We don't have a 3rd party expense ratio<br>The [Redacted]% expense factor based on the UW review of the expenses that were consistent each month coming out of the business bank statement. <br>The ARC Fixed expense ratio for a Capital-Intensive Business is [Redacted]% with [Redacted] employees. The UW was just using a more conservative approach.<br>Should we update the worksheet to [Redacted]% Fixed Expense Raio and increase the borrower's income or can we keep it as is.?<br>Reviewer Comment (2025-04-11): Received CPA Letter showing [Redacted]% Ownership of the business. Please provided supporting documents for "Expense Ratio". Exception remains.<br>Buyer Comment (2025-04-09): See docs provided | 04/22/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 564452682 |  |  |  | 33404711 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and file was missing a copy of 442 images. |  |  |  | Reviewer Comment (2025-04-28): Received and associated Final Inspection / [Redacted]document. Exception Cleared.<br>Buyer Comment (2025-04-24): Final inspection attached<br>Reviewer Comment (2025-04-11): Please provided Final Inspection /[Redacted]document. Exception remains.<br>Buyer Comment (2025-04-09): See docs provided<br>Buyer Comment (2025-04-09): See photos provided | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 564452682 |  |  |  | 33404714 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | EMD is unsourced |  |  |  | Reviewer Comment (2025-04-14): Source of EMD provided, exception cleared.<br>Buyer Comment (2025-04-10): See docs provided | 04/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 564452682 |  |  |  | 33404715 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-14): Source of EMD provided, exception cleared.<br>Buyer Comment (2025-04-10): See docs provided | 04/14/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 564452682 |  |  |  | 33404716 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-14): Source of EMD provided, exception cleared.<br>Buyer Comment (2025-04-10): See docs provided | 04/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 549749254 |  |  |  | 33404727 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero 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. ([Redacted]) |  |  |  | Reviewer Comment (2025-04-25): [Redacted]Received Valid COC along with additional information on Comment.<br>Buyer Comment (2025-04-24): No score was received from Fannie on [Redacted]. Additional inspection required.<br>Reviewer Comment (2025-04-24): [Redacted]Received COC dated [Redacted] however, it does not give sufficient information what impacts and why the UW requested additional inspection. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-04-22): COC | 04/25/2025 |  |  | 1 C A |  | IL | 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 |
|  | 540391500 |  |  |  | 33404732 |  | 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 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 (2025-04-23): Evidence of delivery for all appraisals was provided. | 04/23/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 540391500 |  |  |  | 33404733 |  | 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 valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-14): Evidence of receipt of appraisal dated [Redacted] was provided, exception cleared.<br>Buyer Comment (2025-04-14): See uploaded Appraisal delivery verification documented on page [Redacted] of Disclosure tracking details. | 04/14/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 540391500 |  |  |  | 33404734 |  | 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 valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-23): Evidence of delivery for all appraisals was provided.<br>Buyer Comment (2025-04-21): See uploaded Appraisal Delivery verification docs<br>Reviewer Comment (2025-04-14): Still missing evidence of receipt of the appraisal dated [Redacted], exception remains.<br>Buyer Comment (2025-04-14): See uploaded Appraisal delivery verification documented on page [Redacted] of Disclosure tracking details. | 04/23/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 567992645 |  |  |  | 33404742 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using w2 transcripts in lieu of actual w2's, a XXX lender exception was provided, however missing a lender exception from [Redacted]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]% LTV | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-28): The client elects to waive.<br>Buyer Comment (2025-04-25): ARC exception attached |  |  | 04/28/2025 | 2 C B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 569127250 |  |  |  | 33404743 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval Document was not provided in the file. |  |  |  | Reviewer Comment (2025-04-21): Received and associated Approval Document. Exception Cleared.<br>Buyer Comment (2025-04-18): Approval<br>Buyer Comment (2025-04-18): 1008 | 04/21/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 598462142 |  |  |  | 33404751 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[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 |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 588717929 |  |  |  | 33404756 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Resident Alien Card in file has expired..Lender exception for Permanent Resident Alien Card being expired but has an extension per the I-797. Approval in file. | 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 X months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income<br>[Redacted] months reserves<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-23): Lender exception in file. |  |  | 04/23/2025 | 2 B |  | VT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 541305662 |  |  |  | 33404758 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final Policy was not provided. |  |  |  | Reviewer Comment (2025-04-25): A Supplemental was provided with enough coverage.<br>Reviewer Comment (2025-04-24): Loan amount does not match supplement.<br>Buyer Comment (2025-04-23): See Uploaded Title Supplement with policy amount.<br>Buyer Comment (2025-04-23): Title Supplement | 04/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 570865925 |  |  |  | 33404761 |  | 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 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 (2025-04-30): Received Appraisal proof of delivery confirming appraisal was delivered to the borrower on [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-28): COC and LE dated[Redacted]<br>Buyer Comment (2025-04-28): COC and LE dated [Redacted] | 04/30/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 570865925 |  |  |  | 33404762 |  | 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 valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-30): Received Appraisal proof of delivery confirming appraisal was delivered to the borrower on [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-28): Proof of appraisal delivery<br>Buyer Comment (2025-04-28): Appraisal Delivery | 04/30/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 570865925 |  |  |  | 33404763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | 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. |  |  |  | Reviewer Comment (2025-04-30): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-04-28): COC and LE dated [Redacted] | 04/30/2025 |  |  | 1 C A |  | PA | 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 |
|  | 597944510 |  |  |  | 33468939 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  | Reviewer Comment (2025-06-09): Client accepts level 2 exception as is. |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 597944510 |  |  |  | 33468940 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  | Reviewer Comment (2025-06-09): Client accepts level 2 exception as is. |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 597944510 |  |  |  | 33468941 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  | Reviewer Comment (2025-06-09): Client accepts level 2 exception as is. |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 599271210 |  |  |  | 33483954 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated 1004/70 Appraisal document. Exception cleared.<br>Buyer Comment (2025-04-09): attached<br>Buyer Comment (2025-04-09): appraisal | 04/10/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 599271210 |  |  |  | 33483955 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated 1004/70 Appraisal document. Exception Cleared.<br>Buyer Comment (2025-04-09): attached<br>Buyer Comment (2025-04-09): Appraisal uploaded to [Redacted] | 04/10/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 599271210 |  |  |  | 33483958 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[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]% or $[Redacted]. No valid changed circumstance was provided. <br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-04-09): COC and CD for<br>Buyer Comment (2025-04-09): Cure of $[Redacted]listed on final CD for Closing Costs above legal limit. |  | 04/10/2025 |  | 2 C B |  | 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 |
|  | 599271210 |  |  |  | 33483959 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. <br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-16): [Redacted]received a valid COC.<br>Buyer Comment (2025-04-15): COC and CD for [Redacted]<br>Buyer Comment (2025-04-15): COC and CD for[Redacted]<br>Reviewer Comment (2025-04-10): [Redacted] received COC dated [Redacted] for change in pricing due to change in FICO. But the extension fee was added on [Redacted] for which there is no COC provided in file. Please provide COC for re-baseline or need cure.<br>Buyer Comment (2025-04-09): COC and CD for lock extension fee<br>Buyer Comment (2025-04-09): LOE for cure | 04/16/2025 |  |  | 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 B A | Non QM | Non QM | Yes |
|  | 599271210 |  |  |  | 33483960 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-04-09): LOE for cure<br>Buyer Comment (2025-04-09): Cure of $[Redacted]listed on final CD for Closing Costs above legal limit. |  | 04/10/2025 |  | 2 C B |  | 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 |
|  | 599271210 |  |  |  | 33483961 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative documentation was not provided. |  |  |  | Reviewer Comment (2025-04-11): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-09): Business narrative | 04/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 599271210 |  |  |  | 33483962 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 599271210 |  |  |  | 33483963 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 510587791 |  |  |  | 33484008 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  | Reviewer Comment (2025-05-08): A Tangible Net Benefit Worksheet was provided<br>Buyer Comment (2025-05-06): See Uploaded NTB Analysis | 05/08/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 510587791 |  |  |  | 33484009 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-06): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-05-05): PCCD, Refund LOX, Refund Check and proof of mailing |  | 05/06/2025 |  | 2 C B |  | OH | 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 |
|  | 510587791 |  |  |  | 33484010 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A lender exception to allow a CDA on the appraisal prior to the revision is in file. | 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 X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-15): Lender exception in file. |  |  | 04/15/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 570888222 |  |  |  | 33484042 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing vvoe dated within 10 business days prior to the Note for employment with the [Redacted] XXX. |  |  |  | Reviewer Comment (2025-05-05): The Lender follows FNMA requirements, and a post-close VVOE was obtained prior to delivery of the loan. The most current paystub was provided to verify employment prior to closing.<br>Reviewer Comment (2025-05-05): ATR requirements requires employment to be verified prior to closing, exception remains.<br>Buyer Comment (2025-05-01): XXX guides do not speak to reverification process of employment. FNMA allows VVOE to be done post closing up to the time of delivery of loan. "Alternatively, lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE (or allowable alternative) cannot be obtained prior to delivery, the loan is ineligible for sale to Fannie Mae." [Redacted] guides follow this same rule allowing it post close up to the time of delivery. Please review.<br>Reviewer Comment (2025-04-30): The VVOE/email provided is dated [Redacted]days post-close, which is not the requirement. Please provide the VVOE dated no more than [Redacted]business days prior to the Note.<br>Buyer Comment (2025-04-28): See docs provided | 05/05/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 570888222 |  |  |  | 33484043 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current [Redacted] employment status using reasonably reliable third-party records. | Missing vvoe dated within 10 business days prior to the Note for employment with the [Redacted] XXX. |  |  |  | Reviewer Comment (2025-05-05): The Lender follows FNMA requirements, and a post-close VVOE was obtained prior to delivery of the loan. The most current paystub was provided to verify employment prior to closing.<br>Reviewer Comment (2025-05-05): ATR requirements requires employment to be verified prior to closing, exception remains.<br>Buyer Comment (2025-05-01): XXX guides do not speak to reverification process of employment. FNMA allows VVOE to be done post closing up to the time of delivery of loan. "Alternatively, lenders may obtain the verbal VOE after closing, up to the time of loan delivery. If the verbal VOE (or allowable alternative) cannot be obtained prior to delivery, the loan is ineligible for sale to Fannie Mae." [Redacted] guides follow this same rule allowing it post close up to the time of delivery. Please review.<br>Reviewer Comment (2025-04-30): The VVOE/email provided is dated [Redacted]days post-close, which is not the requirement. Please provide the VVOE dated no more than [Redacted]business days prior to the Note.<br>Buyer Comment (2025-04-28): See docs provided | 05/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 570888222 |  |  |  | 33484046 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing vvoe dated within 10 business days prior to the Note for employment with the [Redacted] XXX. |  |  |  | Reviewer Comment (2025-04-30): Received and Associated VVOE document for XXX. Exception cleared.<br>Buyer Comment (2025-04-28): See docs provided | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 560098274 |  |  |  | 33484077 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for Master Insurance expiration date of [Redacted]. Approval in file. | 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 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 qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-23): Lender exception in file. |  |  | 04/23/2025 | 2 C B |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 560098274 |  |  |  | 33484081 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-05-08): Additional assets provided, exception cleared.<br>Buyer Comment (2025-05-08): 1st Qtr [Redacted]retirement 401K assets for [Redacted]<br>Buyer Comment (2025-05-08): See Uploaded Asset documentation<br>Reviewer Comment (2025-04-24): 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]. | 05/08/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 560098274 |  |  |  | 33484082 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-05-08): Additional assets provided, exception cleared. | 05/08/2025 |  |  | 1 B A C |  | NY | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 560098274 |  |  |  | 33484083 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-05-08): Additional assets provided, exception cleared.<br>Buyer Comment (2025-05-08): See uploaded Retirement Plan<br>Buyer Comment (2025-05-08): Additional 401K assets for [Redacted] attached | 05/08/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 560098274 |  |  |  | 33484084 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-05): [Redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-05-02): PCCD, Refund LOX, Refund Check and Proof of Mailing |  | 05/05/2025 |  | 2 C B |  | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 546706989 |  |  |  | 33484090 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-05-06): Client believes a reasonable time was given.<br>Reviewer Comment (2025-05-06): Please accept this level 2 exception as is. The flood cert was dated [Redacted], the Notice disclosure should have been provided sooner.<br>Buyer Comment (2025-05-02): See docs provided | 05/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 556413203 |  |  |  | 33484103 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of [Redacted] used as disbursement date for compliance testing. | Borrower Closing Disclosure not provided. |  |  |  | Reviewer Comment (2025-04-29): [Redacted]received CD.<br>Buyer Comment (2025-04-25): See uploaded Initial CD<br>Buyer Comment (2025-04-25): Initial CD | 04/29/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 556413203 |  |  |  | 33484106 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Borrower Closing Disclosure not provided. |  |  |  | Reviewer Comment (2025-04-29): [Redacted]received CD.<br>Buyer Comment (2025-04-25): See uploaded Initial CD<br>Buyer Comment (2025-04-25): Initial CD | 04/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 556413203 |  |  |  | 33484108 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of receipt of the gift funds. |  |  |  | Reviewer Comment (2025-04-29): Evidence of receipt was provided.<br>Buyer Comment (2025-04-25): See Uploaded Gift verification documentation and Wire confirmation.<br>Buyer Comment (2025-04-25): Gift Wire verification<br>Buyer Comment (2025-04-25): Gift Documentation | 04/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 556413203 |  |  |  | 33484109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Please provide Seller CD for review. |  |  |  | Reviewer Comment (2025-04-30): [Redacted]received Final settlement statement and seller fees<br>Reviewer Comment (2025-04-30): Provided documentation does not sufficiently describe seller fees at closing. Provided closing statements are pre-closing [Redacted] date [Redacted]. the post closing [Redacted] shows only borrower fees. Please provide final seller CD, or signed dated [Redacted] showing seller fees for review.<br>Buyer Comment (2025-04-29): Final CD uploaded for review<br>Buyer Comment (2025-04-29): Settlement Statement w/$[Redacted]Seller credit | 04/30/2025 |  |  | 1 A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
|  | 508940571 |  |  |  | 33484119 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | MI | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 514723039 |  |  |  | 33484123 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  |  |  | Reviewer Comment (2025-04-30): [Redacted]received initial LE dated [Redacted].<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 514723039 |  |  |  | 33484124 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three days of application. |  |  |  | Reviewer Comment (2025-05-08): The ARM Disclosure dated at the initial application was provided.<br>Buyer Comment (2025-05-06): See docs provided<br>Reviewer Comment (2025-04-30): The same ARM Disclosure dated [Redacted] was provided, which was already in the file. The loan started as an ARM, so the ARM Disclosure should have gone out within [Redacted] days of the application date of [Redacted].<br>Buyer Comment (2025-04-29): See docs provided | 05/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 514723039 |  |  |  | 33484125 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NY | 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 |
|  | 514723039 |  |  |  | 33484126 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 586401891 |  |  |  | 33484154 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-05-15): Received and associated Business narrative document for [Redacted] Multi-Service. Exception Cleared.<br>Buyer Comment (2025-05-14): See docs provided | 05/15/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 586401891 |  |  |  | 33484158 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-14): [Redacted]received valid COC dated [Redacted]<br>Buyer Comment (2025-05-13): See docs provided | 05/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 548420303 |  |  |  | 33484313 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for condotel unit with [Redacted]% investor concentration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Debt Service Coverage Ratio (DSCR) 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. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-25): Lender exception in file. |  |  | 04/25/2025 | 2 B |  | UT | Investment | Purchase | B A |  | N/A | No |
|  | 582514457 |  |  |  | 33484314 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-06): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-05): Business purpose & occupancy affidavit<br>Reviewer Comment (2025-04-29): Received Occupancy Certificate but required Business Purpose Certificate. Exception Remains.<br>Buyer Comment (2025-04-25): See Uploaded Occupancy and Financial Status Affidavit | 05/06/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 582514457 |  |  |  | 33484316 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for condotel without bedroom. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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. | [Redacted] months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-25): Lender exception in file. |  |  | 04/25/2025 | 2 B |  | UT | Investment | Purchase | C B A |  | N/A | No |
|  | 517534781 |  |  |  | 33484317 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for vesting in the name of a new entity. Approval in file. | Borrower has owned the subject property for at least [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>The Debt Service Coverage Ratio (DSCR) 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]%. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-25): Lender exception in file. |  |  | 04/25/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 517534781 |  |  |  | 33484318 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing rent free letter from owner of borrower's primary residence. |  |  |  | Reviewer Comment (2025-04-29): A rent-free letter was provided.<br>Buyer Comment (2025-04-25): See Uploaded Rent free letter<br>Buyer Comment (2025-04-25): Rent Free Letter | 04/29/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 517534781 |  |  |  | 33484319 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, borrowers who live rent free must provide evidence of ownership AND rental (landlord) history for at least [Redacted] months in last [Redacted] years. |  |  |  | Reviewer Comment (2025-05-13): A Drive report reflecting investor experience was provided, and acceptable per the guidelines.<br>Reviewer Comment (2025-05-12): Agree, however the borrower lives rent free so the guidelines require the following:<br> Non-first-time investors who are living rent free must provide proof of a [Redacted]-month ownership and rental history on an REO property.<br>Buyer Comment (2025-05-08): Underwriter validated that the borrower has owned and managed 2 separate investment properties reflected on the attached DRIVE report for over [Redacted]years at [Redacted] and the multi-unit subject property. Investors must have a history of owning and managing commercial or residential real estate in the United States for at least [Redacted] months prior to note date in the last [Redacted] years. Experience can be documented by a letter of explanation (LOE) by borrower/guarantor detailing relevant real estate experience supported by a property profile report or other 3rd party documentation.<br>Reviewer Comment (2025-05-07): The ownership has been documented, however because borrower is living rent free, the guidelines require proof of at least [Redacted]months rental history in the last 3 years. Is there a prior lease, Sch E, etc. to show borrower has been receiving rental income for at least 12 months?<br>Buyer Comment (2025-05-05): See uploaded evidence of ownership<br>Reviewer Comment (2025-04-29): Non-first-time investors who are living rent-free must provide proof of a [Redacted]-month ownership and rental history on an REO property.<br>Buyer Comment (2025-04-25): See Uploaded Rent free letter<br>Buyer Comment (2025-04-25): Rent Free Letter | 05/13/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 551637300 |  |  |  | 33484323 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has claimed no primary residnetial expense. A Rent Free Letter was not provided. |  |  |  | Reviewer Comment (2025-04-30): A rent-free letter was provided.<br>Buyer Comment (2025-04-28): See Uploaded Rent Free Letter<br>Buyer Comment (2025-04-28): Rent Free Letter | 04/30/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 584113688 |  |  |  | 33484325 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-06): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-02): See business purpose certificate | 05/06/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 529653148 |  |  |  | 33484329 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception to close in an entity established less than [Redacted] days. Approval in file. | 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 X months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | FICO [Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-01): The client elects to waive. |  |  | 05/01/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 565453857 |  |  |  | 33523598 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after the disbursement date.<br>Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; |  |  |  | Reviewer Comment (2025-02-20): The Hazard Insurance Policy with effective date [Redacted]was provided in the initial package. Exception Cleared.<br>Buyer Comment (2025-02-19): There are [Redacted]State Farm policies that were provided in the initial shipping package, the first dated [Redacted]thru [Redacted] Doc ID [Redacted]and the renewal policy dated [Redacted] thru [Redacted] Doc ID [Redacted]. | 02/20/2025 |  |  | 1 C A |  | OR | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 572172774 |  |  |  | 33523607 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is not provided in the file. |  |  |  | Reviewer Comment (2025-03-25): Fraud report provided.<br>Reviewer Comment (2025-03-25): Fraud Guard search under doc ID [Redacted]reflects [Redacted] only in being Submitted Data, however required complete Fraud Guard search for J[Redacted]. Exception Remains<br>Buyer Comment (2025-03-25): FraudGuard search under doc ID [Redacted]reflects[Redacted] being included under Submitted Data within the search and contains search results throughout the report. | 03/25/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 572172774 |  |  |  | 33523609 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report for [Redacted] is not located in the file. |  |  |  | Reviewer Comment (2025-05-05): Cleared. Received credit report in trailing documents.<br>Buyer Comment (2025-05-05): Credit report for [Redacted]uploaded for review. | 05/05/2025 |  |  | 1 A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 532021191 |  |  |  | 33523615 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception: FTI minimum FICO [Redacted]/current FICO [Redacted] . | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | The DSCR is greater than the minimum required DSCR of [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-03-27): Client elects to waive with comp factors. |  |  | 03/27/2025 | 2 B |  | FL | Investment | Purchase | A B |  | N/A | No |
|  | 576222827 |  |  |  | 33523618 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The OFAC search results for the borrowing entity were not located in the file. |  |  |  | Reviewer Comment (2025-04-04): OFAC for borrowing entity is received. Exception cleared.<br>Buyer Comment (2025-04-04): Entity OFAC uploaded for review. | 04/04/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
|  | 593689491 |  |  |  | 33523634 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Condo master policy- Agent verified that the perils are covered under special form but there is no information Guard, Equipment Breakdown, or Building Ordinance which is required. Exception is approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves: [Redacted]<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: [Redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-07): Client elects to waive with compensating factors. |  |  | 04/07/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 570715414 |  |  |  | 33523636 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is missing. |  |  |  | Reviewer Comment (2025-04-10): Received hazard insurance policy and replacement cost estimator. Exception cleared.<br>Buyer Comment (2025-04-09): Submitted HOI with RCE for review.<br>Reviewer Comment (2025-04-09): Replacement cost provided , Exception remains<br>Buyer Comment (2025-04-08): Submitted HOI for review. | 04/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 595584178 |  |  |  | 33523640 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file 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. |  |  |  | Reviewer Comment (2025-04-10): Updated the Coverage amount as per supplement report received in initial shipping package. Exception Cleared.<br>Buyer Comment (2025-04-09): Title Supplement with correct loan amount was included in the initial shipping package and is located in your portal under doc ID [Redacted]. | 04/10/2025 |  |  | 1 B A |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | 565382390 |  |  |  | 33523643 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for less than [Redacted] months rent loss insurance, required $[Redacted], policy insured $[Redacted], a difference of $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 640<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-10): client elects to waive with comp factors. |  |  | 04/10/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
|  | 555215528 |  |  |  | 33523647 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved to allow [Redacted]% LTV vs [Redacted]% maximum per matrix. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-21): Preapproved exception |  |  | 04/21/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 512784602 |  |  |  | 33523649 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception in file, however, details are cut off on document. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months. | Reserves: [Redacted]<br> Guideline Requirement: 6.00 | Aggregator,SitusAMC | Reviewer Comment (2025-04-02): Client elected to waive exceptions with compensating factors.<br>Seller Comment (2025-03-28): [Redacted] 1008 with comp factors in notes.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-03-26): Received Lender Exception for "property purchased [Redacted], property was not listed and seller provided financing". However, the document does not state any compensating factors to waive the exception.<br>Seller Comment (2025-03-21): If not what is needed please provide more detail.<br> [Redacted]Exception Approval.pdf (Unclassified) was uploaded |  |  | 04/02/2025 | 2 C B |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 589912918 |  |  |  | 33523651 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-03-26): Received condo certificate. Exception cleared.<br>Seller Comment (2025-03-25): see attached<br> [Redacted] Condo Cert. See notes.pdf (Unclassified) was uploaded | 03/26/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 576127265 |  |  |  | 33523659 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is not provided in file. |  |  |  | Reviewer Comment (2025-04-01): Fraud report provided.<br>Reviewer Comment (2025-03-28): Exception Remains - Required Fraud Report prior to note date with all red flag addressed, Provided document is not acceptable and it is post note dated.<br>Seller Comment (2025-03-28): Background check attached<br> Background check [Redacted].pdf (Credit Review Documentation) was uploaded | 04/01/2025 |  |  | 1 C A |  | DC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 576127265 |  |  |  | 33523660 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  | Borrower's Experience/Track Record | Borrower has experience/ track record. | SitusAMC,Aggregator | Reviewer Comment (2025-04-04): Client elects to waive with comp factors.<br>Buyer Comment (2025-04-01): [Redacted] approves document exception. Comp factors:<br>DSCR<br> Experienced investor<br> Clean MTG history<br>Reviewer Comment (2025-03-31): Background check for business is dated after close. Exception remains.<br>Reviewer Comment (2025-03-28): Exception Remains - Required Fraud Report prior to note date with all red flag addressed, Provided document is not acceptable and it is post note dated.<br>Seller Comment (2025-03-28): Background check attached<br> Background - entity.pdf (Credit Review Documentation) was uploaded |  |  | 04/04/2025 | 2 C B |  | DC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 576127265 |  |  |  | 33523661 |  | 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 ___. | For cash-out max LTV is [Redacted]% for credit score minimum credit score [Redacted]. Borrower's credit score is [Redacted] . | Borrower's Experience/Track Record | Borrower has experience/ track record. | SitusAMC,Aggregator | Reviewer Comment (2025-04-04): Client elects to waive with comp factors.<br>Buyer Comment (2025-04-04): SG agrees to waive w/ comp factors<br>DSCR <br> Experienced Investor<br> Clean MTG history |  |  | 04/04/2025 | 2 B |  | DC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 595741287 |  |  |  | 33523666 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | A secondary valuation review product is not located in the file. |  |  |  | Reviewer Comment (2025-04-08): CDA received and associated. Exception cleared.<br>Seller Comment (2025-04-07): CDA<br> cda.pdf (Unclassified) was referenced | 04/08/2025 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 581525728 |  |  |  | 33523677 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested: For allowing the use of a [Redacted]% expense factor with business bank statements and a [Redacted]% expense factor for personal bank statements for business income qualifying. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 680<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-07): Client elects to waive with compensating factors. |  |  | 04/07/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 581525728 |  |  |  | 33523678 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved: Exception # 2 to allow [Redacted] of $[Redacted]from builder which exceeds the [Redacted]% maximum allowed. $[Redacted]equates to a [Redacted]% IPC. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 680<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-07): Client elects to waive with compensating factors. |  |  | 04/07/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 593892298 |  |  |  | 33523680 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request to allow delinquent taxes to be paid with cash-out proceeds is approved. | 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 X months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | DTI: [Redacted]% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-07): Client elects to waive. |  |  | 04/07/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 585368272 |  |  |  | 33523697 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender Credit 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 |  | CA | Primary | Purchase | A | Non QM | Non QM | No |
|  | 569094138 |  |  |  | 33523703 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified qualifying Assets for Closing of $[Redacted] is less than required Cash From Borrower in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-04-15): Received paid invoices for HOI and appraisal.Condition cleared.<br>Seller Comment (2025-04-15): See attached<br> Paid Receipt.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-15): The discrepancy is due to the POCs paid at closing. Please provide evidence the borrower paid the $[Redacted]appraisal fee and the HOI premium of $[Redacted]. This would clear the condition.<br>Seller Comment (2025-04-10): Final CD Cash to close: $[Redacted] ASSETS in file $[Redacted]<br> Reserves $0 WIRED to Escrow $[Redacted]<br> EMD: $[Redacted]EMD: $[Redacted] | 04/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 582432894 |  |  |  | 33523708 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-04-14): Received e-consent. Condition cleared.<br>Buyer Comment (2025-04-10): The SignNOW documentation for those events were provided in the initial shipping package, in your portal under the "Out of Scope" folder Doc ID's [Redacted], [Redacted]and [Redacted].<br>Reviewer Comment (2025-04-10): Some disclosures were e-signed for e.g. CD issued on [Redacted], e-sign consent document is required exception remains.<br>Buyer Comment (2025-04-09): The consent is not required as the disclosures were not sent electronically as outlined in the tracking provided which denotes mailing event.<br>Reviewer Comment (2025-04-09): E-sign Consent agreement require , Exception remains<br>Buyer Comment (2025-04-09): The initial disclosures were not sent electronically rather via Encompass fulfillment (aka mailing) on [Redacted], tracking has been uploaded for review. | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 582432894 |  |  |  | 33523712 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-04-14): Lender approved reserves at [Redacted] months minimum which is allowed with compensating factors. Condition cleared.<br>Buyer Comment (2025-04-09): Updated 1008 uploaded for review denoting reserve variance with compensating factors per guidelines section [Redacted]last bullet point "A variance may be allowed but never less than [Redacted] months less than program requirements with underwriter justification and compensating factors". | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 582432894 |  |  |  | 33523713 |  | 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. | reserve requirement not met |  |  |  | Reviewer Comment (2025-04-14): Lender approved reserves at [Redacted] months minimum which is allowed with compensating factors. Condition cleared.<br>Buyer Comment (2025-04-09): Updated 1008 uploaded to trailing docs for review denoting reserve variance with compensating factors per guidelines section [Redacted]last bullet point "A variance may be allowed but never less than[Redacted]months less than program requirements with underwriter justification and compensating factors". | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 582432894 |  |  |  | 33523714 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-04-14): Lender approved reserves at[Redacted] months minimum which is allowed with compensating factors. Condition cleared.<br>Buyer Comment (2025-04-09): Updated 1008 uploaded to trailing docs for review denoting reserve variance with compensating factors per guidelines section [Redacted]last bullet point "A variance may be allowed but never less than[Redacted] months less than program requirements with underwriter justification and compensating factors". | 04/14/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 512061895 |  |  |  | 33523723 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide HOA document for [Redacted], to verify $[Redacted] as per final 1003 |  |  |  | Reviewer Comment (2025-04-11): HOA verified in Fraud Report. - Exception Cleared.<br>Buyer Comment (2025-04-10): FraudGuard report page [Redacted]of [Redacted]under doc ID [Redacted]reflects HOA public record data for [Redacted] | 04/11/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | Non QM | N/A | No |
|  | 537297939 |  |  |  | 33523726 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence in file showing borrower received copy of appraisal. |  |  |  | Buyer Comment (2025-04-16): sgcp acknowledges and waives this non-material EV2 finding<br>Seller Comment (2025-04-16): Appraisal acknowledgement section 2<br> [Redacted]Appraisal.pdf (Appraisal) was referenced<br>Reviewer Comment (2025-04-16): Missing acknowledgment that borrower received the copy of appraisal report prior to closing or at closing, Borrower did waive [Redacted] business days requirement. Exception remains.<br>Seller Comment (2025-04-15): Right to Appraisal ALL boxes checked and signed<br> [Redacted].pdf (Unclassified) was referenced<br>Reviewer Comment (2025-04-14): Exception Remains - In the received receive a copy of the appraisal document the option is not checked. Provide the receive a copy of the appraisal selecting any 1 option and signed and dated at or before closing.<br>Seller Comment (2025-04-14): uploaded<br> Right to Appraisal.pdf (Appraisal) was referenced |  |  | 04/16/2025 | 2 B |  | SC | Investment | Purchase | B A | N/A | N/A | No |
|  | 595854288 |  |  |  | 33523727 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] |  |  |  | Reviewer Comment (2025-04-22): Updated title policy received, Exception cleared.<br>Buyer Comment (2025-04-21): Submitted updated Title with correct loan amount for review. | 04/22/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523728 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Title final is missing on file |  |  |  | Reviewer Comment (2025-04-22): Updated title policy received, Exception cleared. | 04/22/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523729 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement and Tax Verification for Property [Redacted] are not located in the file. |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property [Redacted] has been removed from the REO Schedule.<br>Buyer Comment (2025-04-16): Submitted updated 1003 and 1008 for review. [Redacted] does not exist and has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523730 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lease Agreement and Tax Verification for Property [Redacted] are not located in the file. |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property[Redacted] has been removed from the REO Schedule.<br>Buyer Comment (2025-04-16): Submitted updated 1003 and 1008. Property at [Redacted] does not exist and has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523731 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease Agreement and Tax Verification for Property [Redacted] are not located in the file. |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property [Redacted] has been removed from the REO Schedule.<br>Buyer Comment (2025-04-16): Submitted updated 1003 and 1008. Property at [Redacted] does not exist and has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523732 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([Redacted]% Method) using reasonably reliable third-party records. | Lease Agreement and Tax Verification for Property [Redacted] are not located in the file. |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property [Redacted] has been removed from the REO Schedule.<br>Buyer Comment (2025-04-16): Submitted updated 1003 and 1008. Property at [Redacted] does not exist and has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523733 |  | 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.) | Lease Agreement, Tax Verification for Property [Redacted] on file |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property [Redacted] has been removed from the REO Schedule.<br>Buyer Comment (2025-04-16): Submitted updated 1003 and 1008. Property at [Redacted] does not exist and has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523734 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Lease Agreement, Tax Verification for Property [Redacted] on file |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property [Redacted] has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 595854288 |  |  |  | 33523736 |  | 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. | Lease Agreement, Tax Verification for Property [Redacted] on file |  |  |  | Reviewer Comment (2025-04-16): Updated 1003 and 1008 received where property [Redacted] has been removed from the REO Schedule.<br>Buyer Comment (2025-04-16): Submitted updated 1003 and 1008. Property at [Redacted] does not exist and has been removed from the REO Schedule. | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 577600964 |  |  |  | 33523740 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report fee amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 539661201 |  |  |  | 33523749 |  | 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. Per guideline required business narrative was not provided. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-18): Business Narrative received and verified. Exception cleared.<br>Buyer Comment (2025-04-17): Submitted business Narrative for review. | 04/18/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 539661201 |  |  |  | 33523750 |  | 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.) | Loan designation failure due to ATR failure. Per guideline required business narrative was not provided. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-18): Business Narrative received and verified. Exception cleared.<br>Buyer Comment (2025-04-17): Submitted business Narrative for review. | 04/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 539661201 |  |  |  | 33523751 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per guideline required business narrative was not provided. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-18): Business Narrative received and verified. Exception cleared.<br>Buyer Comment (2025-04-17): Submitted business Narrative for review. | 04/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 539661201 |  |  |  | 33523752 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower must provide a business narrative which includes detail related to the size/scope and operating per guideline. |  |  |  | Reviewer Comment (2025-04-18): Business Narrative received and verified. Exception cleared.<br>Buyer Comment (2025-04-17): Submitted business Narrative for review. | 04/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 539661201 |  |  |  | 33523753 |  | 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. | Loan designation failure due to ATR failure. Per guideline required business narrative was not provided. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-18): Business Narrative received and verified. Exception cleared.<br>Buyer Comment (2025-04-17): Submitted business Narrative for review. | 04/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 535390728 |  |  |  | 33523759 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Buyer Comment (2025-04-21): EV2 acknowledged. |  |  | 04/21/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 515452873 |  |  |  | 33523765 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Appraisal dated [Redacted] is missing evidence of actual receipt/Download at least 3 business days prior to closing. |  |  |  | Buyer Comment (2025-04-22): EV2 acknowledged. |  |  | 04/22/2025 | 2 B |  | CA | Investment | Purchase | B A | N/A | N/A | No |
|  | 550179274 |  |  |  | 33523772 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification for [Redacted] missing. |  |  |  | Reviewer Comment (2025-04-22): Tax amount is already provided on the Fraud Report. Exception cleared.<br>Buyer Comment (2025-04-21): Per the FraudGuard report Doc ID D0340 the property located at [Redacted] is vacant land, the taxes noted per this report were utilized in the DTI calculation page 413. | 04/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 525251039 |  |  |  | 33523777 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 503137279 |  |  |  | 33523779 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-18): Sufficient Cure Provided At Closing |  | 04/18/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 597494712 |  |  |  | 33523781 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-03-28): Exception cleared. Received FNMA UCDP report with CU score as 1 and updated correctly.<br>Buyer Comment (2025-03-26): Secondary valuation was included in the initial shipping package and is located in your portal under doc ID D0332. | 03/28/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 597494712 |  |  |  | 33523785 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ |  |  |  |  | Reviewer Comment (2025-03-27): Flood insurance policy effective date is [Redacted] which is same as disbursement date as per final closing disclosure. Exception cleared.<br>Buyer Comment (2025-03-26): Final Closing Disclosure under doc ID D0439 reflects a disbursement date of [Redacted] which corresponds to the Flood Insurance effective date of [Redacted]. | 03/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 597494712 |  |  |  | 33523786 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing [Redacted] of the [Redacted] months bank statements for account ending in [Redacted] used for qualifying. Months of [Redacted] - [Redacted] [Redacted]are missing. |  |  |  | Reviewer Comment (2025-03-28): Bank Statements received and verified. Exception cleared.<br>Buyer Comment (2025-03-27): Submitted [Redacted] business assets #[Redacted] for [Redacted] [Redacted] through [Redacted] [Redacted] for review. | 03/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 597494712 |  |  |  | 33523787 |  | 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 finding due to missing bank statements for income calculations, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-03-28): Bank Statements received and verified.Exception Cleared<br>Buyer Comment (2025-03-27): Submitted [Redacted] business assets #[Redacted] for [Redacted] [Redacted] through [Redacted] [Redacted] for review. | 03/28/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 597494712 |  |  |  | 33523788 |  | 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.) | Waterfall finding due to missing bank statements for income calculations. |  |  |  | Reviewer Comment (2025-03-28): Bank Statements received and verified. Exception cleared.<br>Buyer Comment (2025-03-27): Submitted [Redacted] business assets #[Redacted] for [Redacted] [Redacted] through [Redacted] [Redacted] for review. | 03/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 597494712 |  |  |  | 33523789 |  | 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 finding due to missing bank statements for income calculations. |  |  |  | Reviewer Comment (2025-03-28): Bank Statements received and verified. Exception Cleared<br>Buyer Comment (2025-03-27): Submitted [Redacted] business assets #[Redacted] for [Redacted] [Redacted] through [Redacted] [Redacted] for review. | 03/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 540269767 |  |  |  | 33523797 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Signature date on closing documents is [Redacted] and final CD reflects disbursement date of [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): Post Closing Disclosure received and verified. Exception cleared.<br>Buyer Comment (2025-04-04): PCCD documentation uploaded for review. | 04/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
|  | 530062363 |  |  |  | 33523801 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | The loan application indicates borrower is a co-signer or guarantor of a debt that is not disclosed for this transaction. |  |  |  | Reviewer Comment (2025-04-01): Updated 1003 received and verified. Exception cleared<br>Buyer Comment (2025-03-31): Submitted updated 1003 for Ryan for review. | 04/01/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 530062363 |  |  |  | 33523804 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-03-31): 12 months bank statement located in the file.<br>Reviewer Comment (2025-03-31): Provie a Bank Statement for the account #[Redacted] with [Redacted] and [Redacted] [Redacted] statement. Provided [Redacted]-year bank Statements. Exception remains<br>Buyer Comment (2025-03-28): Full 12 months of [Redacted] #[Redacted] business stmts were included in the initial shipping package and are in your portal under doc IDs D0504, D0505, D0506, D0508, D0509, D510, D0511, D0513, D0515, D0518, D0520, and D0521. Analysis covers [Redacted] [Redacted] through [Redacted] [Redacted] since the overall income analysis used in qualifying involves more than one account. | 03/31/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 530062363 |  |  |  | 33523806 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-26): Sufficient Cure Provided At Closing |  | 03/26/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 530062363 |  |  |  | 33523807 |  | 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 is due to missing [Redacted] of [Redacted] months bank statements used for qualifying income. |  |  |  | Reviewer Comment (2025-03-31): 12 months bank statement located in the file.<br>Reviewer Comment (2025-03-31): Provie a Bank Statement for the account #[Redacted] with [Redacted] and [Redacted] [Redacted] statement. Provided [Redacted]-year bank Statements. Exception remains<br>Buyer Comment (2025-03-28): Full 12 months of [Redacted] #[Redacted] business stmts were included in the initial shipping package and are in your portal under doc IDs D0504, D0505, D0506, D0508, D0509, D510, D0511, D0513, D0515, D0518, D0520, and D0521. Analysis covers April 2024 through March 2025 since the overall income analysis used in qualifying involves more than one account. | 03/31/2025 |  |  | 1 B A C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 576044790 |  |  |  | 33523813 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing asset documentation: [Redacted] months reserves not provided in file. |  |  |  | Reviewer Comment (2025-04-14): POC appraisal invoice received, Exception Cleared.<br>Seller Comment (2025-04-11): see attached Appraisal Invoice requested.<br> [Redacted] Appraisal Invoice.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-11): Calculations are correct, the discrepancy is due to $[Redacted] Appraisal POC fee is not documented. Please provide evidence of $[Redacted] Appraisal fee paid from borrower's own funds.<br>Seller Comment (2025-04-09): Our original calculation on the 1008 is correct. theirs is not. I attached the document to show my calculation: the final CD with $[Redacted] needed, the two bank statements for total of $[Redacted] which leaves $[Redacted] or [Redacted].<br> Bank stmt and CD showing correct reserves.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-08): Required reserves $[Redacted]. Funds available for reserves $[Redacted]. Funds to close: $[Redacted], EMD $[Redacted], POC $[Redacted] totaling $[Redacted]. Funds available for closing: $[Redacted] which leaves $[Redacted].<br>Seller Comment (2025-04-04): Added comments to the 1008 for a breakdown of cash needed to close and cash verified which leaves just a little >6 mos in reserves. If don't agree Please provide your reserve calculation<br> [Redacted] 1008 notes added.pdf (Unclassified) was uploaded | 04/14/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
|  | 576044790 |  |  |  | 33523815 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing asset documentation: [Redacted] months reserves not provided in file. |  |  |  | Reviewer Comment (2025-04-14): POC appraisal invoice received, Exception Cleared.<br>Seller Comment (2025-04-11): see attached Appraisal Invoice requested.<br> XXX Appraisal Invoice.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-11): Calculations are correct, the discrepancy is due to $[Redacted] Appraisal POC fee is not documented. Please provide evidence of $[Redacted] Appraisal fee paid from borrower's own funds.<br>Seller Comment (2025-04-09): Our original calculation on the 1008 is correct. theirs is not. I attached the document to show my calculation: the final CD with $[Redacted] needed, the two bank statements for total of $[Redacted] which leaves $[Redacted] or [Redacted].<br> Bank stmt and CD showing correct reserves.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-08): Required reserves $[Redacted]. Funds available for reserves $[Redacted]. Funds to close: $[Redacted], EMD $[Redacted], POC $[Redacted] totaling $[Redacted]. Funds available for closing: $[Redacted] which leaves $[Redacted].<br>Seller Comment (2025-04-04): Added comments to the 1008 for a breakdown of cash needed to close and cash verified which leaves just a little >6 mos in reserves. If don't agree Please provide your reserve calculation<br> XXX 1008 notes added.pdf (Unclassified) was uploaded | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 576044790 |  |  |  | 33523816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey fee of $[Redacted] exceeds tolerance of $[Redacted] not disclosed on initial or final LE. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-04-07): [Redacted] received PCCD, LOE and payment history for principal reduction of cure<br>Seller Comment (2025-04-04): see attached Pccd and payhistory for cure<br> XXX PCCD with cure and Payhistory.pdf (Closing Disclosure) was uploaded |  | 04/07/2025 |  | 2 C B |  | 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 | No |
|  | 576044790 |  |  |  | 33523817 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [Redacted] months reserves not provided in file. |  |  |  | Reviewer Comment (2025-04-14): POC appraisal invoice received, Exception Cleared.<br>Seller Comment (2025-04-11): see attached Appraisal Invoice requested.<br> [Redacted] Appraisal Invoice.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-11): Calculations are correct, the discrepancy is due to $[Redacted] Appraisal POC fee is not documented. Please provide evidence of $[Redacted] Appraisal fee paid from borrower's own funds.<br>Seller Comment (2025-04-09): Our original calculation on the 1008 is correct. theirs is not. I attached the document to show my calculation: the final CD with $[Redacted] needed, the two bank statements for total of $[Redacted] which leaves $[Redacted] or [Redacted].<br> Bank stmt and CD showing correct reserves.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-08): Required reserves $[Redacted]. Funds available for reserves $[Redacted]. Funds to close: $[Redacted], EMD $[Redacted], POC $[Redacted] totaling $[Redacted]. Funds available for closing: $[Redacted] which leaves $[Redacted]. A paid invoice showing the borrower paid the appraisal POC would clear condition.<br>Seller Comment (2025-04-04): Added comments to the 1008 for a breakdown of cash needed to close and cash verified which leaves just a little >6 mos in reserves. If don't agree Please provide your reserve calculation<br> [Redacted] 1008 notes added.pdf (Unclassified) was uploaded | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 576044790 |  |  |  | 33523818 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified months reserves of [Redacted] is less than guideline required months reserves of [Redacted] . |  |  |  | Reviewer Comment (2025-04-14): POC appraisal invoice received, Exception Cleared.<br>Seller Comment (2025-04-11): see attached Appraisal Invoice requested.<br> [Redacted] Appraisal Invoice.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-11): Calculations are correct, the discrepancy is due to $[Redacted] Appraisal POC fee is not documented. Please provide evidence of $[Redacted] Appraisal fee paid from borrower's own funds.<br>Seller Comment (2025-04-09): Our original calculation on the 1008 is correct. theirs is not. I attached the document to show my calculation: the final CD with $[Redacted] needed, the two bank statements for total of $[Redacted] which leaves $[Redacted] or [Redacted].<br> Bank stmt and CD showing correct reserves.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-08): Required reserves $[Redacted]. Funds available for reserves $[Redacted]. Funds to close: $[Redacted], EMD $[Redacted], POC $[Redacted] totaling $[Redacted]. Funds available for closing: $[Redacted] which leaves $[Redacted]. A paid invoice showing the borrower paid the appraisal POC would clear condition.<br>Seller Comment (2025-04-04): Added comments to the 1008 for a breakdown of cash needed to close and cash verified which leaves just a little >6 mos in reserves. If don't agree Please provide your reserve calculation<br> [Redacted] 1008 notes added.pdf (Unclassified) was uploaded | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 576044790 |  |  |  | 33523819 |  | 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 risk due to missing asset documentation: [Redacted] months reserves not provided in file. |  |  |  | Reviewer Comment (2025-04-14): POC appraisal invoice received, Exception Cleared.<br>Seller Comment (2025-04-11): see attached Appraisal Invoice requested.<br> [Redacted] Appraisal Invoice.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-11): Calculations are correct, the discrepancy is due to $[Redacted] Appraisal POC fee is not documented. Please provide evidence of $[Redacted] Appraisal fee paid from borrower's own funds.<br>Seller Comment (2025-04-09): Bank stmt and CD showing correct reserves.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-08): Required reserves $[Redacted]. Funds available for reserves $[Redacted]. Funds to close: $[Redacted], EMD $[Redacted], POC $[Redacted] totaling $[Redacted]. Funds available for closing: $[Redacted] which leaves $[Redacted]. A paid invoice showing the borrower paid the appraisal POC would clear condition.<br>Seller Comment (2025-04-04): Added comments to the 1008 for a breakdown of cash needed to close and cash verified which leaves just a little >6 mos in reserves. If don't agree Please provide your reserve calculation<br> [Redacted] 1008 notes added.pdf (Unclassified) was uploaded | 04/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523826 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The VVOE for co-borrower is not located in the file. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available.<br>Buyer Comment (2025-04-01): The VVOE for B2 was provided in the initial shipping package which can be viewed under the YSP Disclosure folder Doc ID D0658 page 110. | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523829 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: VVOE for co-borrower not provided. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available.<br>Buyer Comment (2025-04-01): The VVOE for B2 was provided in the initial shipping package which can be viewed under the YSP Disclosure folder Doc ID D0658 page 110. | 04/02/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523830 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | ATR failure due to missing income documentation: VVOE for co-borrower not provided. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available.<br>Buyer Comment (2025-04-01): The VVOE for B2 was provided in the initial shipping package which can be viewed under the YSP Disclosure folder Doc ID D0658 page 110. | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in loan product and was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2025-04-02): Upon further review product disclosure is acceptable.<br>Buyer Comment (2025-04-01): The change in the loan product occurred via COC Doc ID D0506, tied to the Loan Estimate under Doc ID D0544. Timing requirements were met. | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523834 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: VVOE for co-borrower not provided. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available. | 04/02/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523835 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. |  | Cash to borrower in the amount of $[Redacted] does not meet guideline requirement. Limited cash to the borrower must not exceed the lesser of $[Redacted]or [Redacted]% of the loan amount. |  |  |  | Reviewer Comment (2025-04-08): Post Close CD received, Exception Cleared.<br>Buyer Comment (2025-04-04): PCCD documentation uploaded for review. | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523836 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: VVOE for co-borrower not provided. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available.<br>Buyer Comment (2025-04-01): The VVOE for B2 was provided in the initial shipping package which can be viewed under the YSP Disclosure folder Doc ID D0658 page 110. | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523837 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VVOE for co-borrower not provided. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available.<br>Buyer Comment (2025-04-01): The VVOE for B2 was provided in the initial shipping package which can be viewed under the YSP Disclosure folder Doc ID D0658 page 110. | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523838 |  | 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 missing income documentation: VVOE for co-borrower not provided. |  |  |  | Reviewer Comment (2025-04-02): VVOE is available.<br>Buyer Comment (2025-04-01): The VVOE for B2 was provided in the initial shipping package which can be viewed under the YSP Disclosure folder Doc ID D0658 page 110. | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 537555562 |  |  |  | 33523839 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing |  | 04/02/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 590241191 |  |  |  | 33523848 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exceptions requested and approved for use of Asset Utilization income with a non-occupant co-borrower which is not allowed. | 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 660<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-02): Client elects to waive with comp factors. |  |  | 04/02/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 515792012 |  |  |  | 33523854 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for [Redacted]% LTV. Current LTV is limited to [Redacted]% for the P&L income documentation and appraisal notes values are declining which requires a [Redacted]% LTV reduction to [Redacted]% as floor. | 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 X months. | Guidelines Representative FICO: 660<br> Representative FICO: [Redacted]<br>Reserves: [Redacted]<br> Guideline Requirement: 6.00 | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-04): Client elects to down grade and waive using compensating factors:<br> Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted]<br> Borrower Reserves: [Redacted]<br> Guideline Requirement: [Redacted] |  |  | 04/04/2025 | 2 B |  | UT | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 516993973 |  |  |  | 33523860 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 583953288 |  |  |  | 33528047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[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]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-16): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-05-15): See docs provided<br>Reviewer Comment (2025-05-06): [Redacted] received CD dated [Redacted], however we require valid COC for increase of recording fee on CD dated [Redacted]. A valid Changed Circumstance with sufficient information why the recording fee increased, or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-05): See docs provided | 05/16/2025 |  |  | 1 C A |  | IL | 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 |
|  | 583953288 |  |  |  | 33528048 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing complete [Redacted] month housing history. |  |  |  | Reviewer Comment (2025-05-15): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-13): See doc provided<br>Reviewer Comment (2025-05-07): The docs provided do not verify number of lates or months reviewed, exception remains.<br>Buyer Comment (2025-05-05): See docs provided | 05/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 518718019 |  |  |  | 33528052 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received final CD. | 05/06/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
|  | 518718019 |  |  |  | 33528053 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-05-09): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-05-08): Corrected ESign Consent<br>Reviewer Comment (2025-05-06): The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-05-05): See Uploaded E-consent dated 4/17 | 05/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 518718019 |  |  |  | 33528054 |  | 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 (2025-05-07): RTC provided.<br>Buyer Comment (2025-05-05): See Uploaded Notice of Right to Cancel | 05/07/2025 |  |  | 1 C A |  | FL | 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 |
|  | 518718019 |  |  |  | 33528055 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed Amount Financed was $[Redacted]. Calculated amount Financed is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received final CD.<br>Buyer Comment (2025-05-05): See Uploaded Final CD | 05/06/2025 |  |  | 1 C A |  | FL | 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 |
|  | 518718019 |  |  |  | 33528056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed Finance Charge of $[Redacted]. Calculated Finance Charge of $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received final CD.<br>Buyer Comment (2025-05-05): See Uploaded Final CD | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 518718019 |  |  |  | 33528057 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received final CD. | 05/06/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
|  | 518718019 |  |  |  | 33528058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only Closing Disclosures in file are dated [Redacted] which was the same day as closing. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received initial CD.<br>Buyer Comment (2025-05-05): See Uploaded Initial CD | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
|  | 518718019 |  |  |  | 33528059 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [Redacted] contingent on Maximum [Redacted] % DTI. Approval in file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower 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 X months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-01): Exception approval in file with comp factors cited of LTV, reserves and years on job. |  |  | 05/01/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 518718019 |  |  |  | 33528060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased without VCC. |  |  |  | Reviewer Comment (2025-05-16): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-05-14): [Redacted] received PCCD, LOE & proof of mailing, however copy of refund check is provided for $[Redacted] and cure required is $[Redacted]. Please provide LOE, copy of check and proof of mailing for $[Redacted].<br>Buyer Comment (2025-05-13): See Uploaded PCCD, Proof of Mailing and Tracking Reciept<br>Buyer Comment (2025-05-13): See uploaded refund check and refund LOX |  | 05/16/2025 |  | 2 B |  | FL | 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 |
|  | 518718019 |  |  |  | 33528061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee increased without VCC. |  |  |  | Reviewer Comment (2025-05-16): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-05-14): [Redacted] received PCCD, LOE & proof of mailing, however copy of refund check is provided for $[Redacted] and cure required is $[Redacted]. Please provide LOE, copy of check and proof of mailing for $[Redacted].<br>Buyer Comment (2025-05-13): See Uploaded PCCD, Proof of Mailing and Tracking Reciept<br>Buyer Comment (2025-05-13): See uploaded refund check and refund LOX |  | 05/16/2025 |  | 2 B |  | FL | 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 |
|  | 518718019 |  |  |  | 33528062 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The RTC was signed on same date as the expiration date. The RTC should have been signed on the transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-05-20): RTC provided, exception cleared.<br>Buyer Comment (2025-05-20): RTC signed [Redacted] which matches signed final CD [Redacted]<br>Buyer Comment (2025-05-20): Please see attached final CD signed [Redacted]<br>Reviewer Comment (2025-05-15): The final CD dated [Redacted] is not signed and dated by the borrower. The system calculated transaction date is [Redacted], which is same date as disbursement date, exception remains.<br>Buyer Comment (2025-05-13): See Uploaded PCCD, Proof of Mailing and Tracking Reciept<br>Buyer Comment (2025-05-13): See uploaded Notice of Right to Cancel | 05/20/2025 |  |  | 1 A |  | FL | 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 |
|  | 518718019 |  |  |  | 33528063 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The RTC was signed on same date as the expiration date. The RTC should have been signed on the transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-05-20): RTC provided, exception cleared.<br>Buyer Comment (2025-05-20): RTC signed [Redacted] which matches signed final CD [Redacted]<br>Buyer Comment (2025-05-20): Please see attached final CD that was executed at closing<br>Reviewer Comment (2025-05-15): The final CD dated [Redacted] is not signed and dated by the borrower. The system calculated transaction date is [Redacted], which is same date as disbursement date, exception remains.<br>Buyer Comment (2025-05-13): See uploaded Notice of Right to Cancel | 05/20/2025 |  |  | 1 A |  | FL | 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 |
|  | 514270380 |  |  |  | 33528066 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | VVOE document not Provided |  |  |  | Reviewer Comment (2025-05-14): Loan is NonQM.<br>Reviewer Comment (2025-05-12): The vvoe is dated post close and pay stubs are more than 15 days prior to Note date. Provide voe dated prior to Note date or pay stubs dated within 15 days prior to Note date.<br>Buyer Comment (2025-05-08): See uploaded VVOE | 05/14/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
|  | 514270380 |  |  |  | 33528067 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE document not Provided |  |  |  | Reviewer Comment (2025-05-14): VVOE dated after the Note date is allowed per client guidelines.<br>Reviewer Comment (2025-05-12): The vvoe is dated post close and pay stubs are more than 15 days prior to Note date. Provide voe dated prior to Note date or pay stubs dated within 15 days prior to Note date.<br>Buyer Comment (2025-05-08): See uploaded VVOE | 05/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 514270380 |  |  |  | 33528069 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | VVOE document not Provided |  |  |  | Reviewer Comment (2025-05-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-08): See uploaded VVOE | 05/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 514270380 |  |  |  | 33528070 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE document not Provided |  |  |  | Reviewer Comment (2025-05-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-08): See uploaded VVOE | 05/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 514270380 |  |  |  | 33528071 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for tradelines. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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 qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-05): Lender exception in file.<br>Buyer Comment (2025-05-02): See uploaded approved exception, Please Accept As-Is<br>Buyer Comment (2025-05-02): Lender Exception Approved, Please accept As-Is |  |  | 05/05/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 565144759 |  |  |  | 33528074 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 565144759 |  |  |  | 33528075 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 533981969 |  |  |  | 33528086 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing a letter from a CPA that states the use of business funds for closing will not have a negative impact on the business. |  |  |  | Reviewer Comment (2025-05-16): A CPA stating the use of the business fund will not negatively effective the business was provided.<br>Buyer Comment (2025-05-14): CPA letter for use of business funds and wire verification | 05/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 546041536 |  |  |  | 33528097 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing a copy of the Articles of Organization/Formation. |  |  |  | Reviewer Comment (2025-05-08): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-06): Err<br>Buyer Comment (2025-05-06): See Uploaded LLC filing and Resolution of Members<br>Buyer Comment (2025-05-06): Borrower is a W2 Wage Earner employee<br>Buyer Comment (2025-05-06): Borrower is a W2 employee | 05/08/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 595618310 |  |  |  | 33528110 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP waived, lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<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. | [Redacted] months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-13): Lender exception in file. |  |  | 05/13/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 595618310 |  |  |  | 33528111 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month pay history for subject property. |  |  |  | Reviewer Comment (2025-05-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-16): See Uploaded VOM | 05/20/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 556472567 |  |  |  | 33528112 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-05-22): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-21): Business purpose | 05/22/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 570145764 |  |  |  | 33640277 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow actual cash value on master insurance versus replacement cost value. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points. | $[Redacted] residual income<br>[Redacted] months reserves<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-12): Lender exception in file. |  |  | 06/12/2025 | 2 B |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 570145764 |  |  |  | 33641237 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing LOE for gap in employment more than [Redacted] days. |  |  |  | Reviewer Comment (2025-07-01): Documentation provided, exception cleared.<br>Seller Comment (2025-06-27): Attached LOE for the gap in employment more than 90 days. | 07/01/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
|  | 564446847 |  |  |  | 33614277 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | [Redacted] Completion report is missing. |  |  |  | Reviewer Comment (2025-05-04): Cleared. 442 and septic tank inspection are provided.<br>Buyer Comment (2025-04-30): The 1004D was completed on [Redacted], the subsequent inspection was completed by [Redacted] Department of Environmental Quality ([Redacted]) which reflects that the "New [Redacted] tank was installed, tank is traffic rated with concrete grade rings and steel manhole covers, and complete leach field repair and inlet line was repaired and new clean out was installed". This document was provided in the trailing docs ID D0479 page 497 dated [Redacted].<br>Reviewer Comment (2025-04-30): Provided 442 completion report which verified that septic installation is not completed. Provide revise 442 report with all the pending work completed. Exception remains.<br>Buyer Comment (2025-04-28): 1004D and Septic Inspection Report uploaded for review. | 05/04/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 522201128 |  |  |  | 33614280 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File is missing evidence of the cash out proceeds from the refinance |  |  |  | Reviewer Comment (2025-04-28): Received closing statement showing cash out funds from a different property which meets cash from borrower requirement. Exception cleared.<br>Buyer Comment (2025-04-24): Submitted Final [Redacted] from [Redacted] as source of funds for review. | 04/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 522201128 |  |  |  | 33614281 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-04-28): Received closing statement showing cash out funds from a different property which meets reserve requirement. Exception cleared.<br>Buyer Comment (2025-04-24): Submitted Final [Redacted] from [Redacted] as source of funds for review. | 04/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 508481091 |  |  |  | 33614286 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Borrowers ownership interest in [Redacted] for access to funds was not located in the file. |  |  |  | Reviewer Comment (2025-05-05): Provided operating agreement of [Redacted] which states borrower is a sole owner. Exception cleared.<br>Buyer Comment (2025-05-02): Entity documentation for [Redacted] denoting borrower sole member uploaded for review. | 05/05/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 523949996 |  |  |  | 33614290 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-01-22): Condo/PUD warranty document received and uploaded. Exception cleared.<br>Seller Comment (2025-01-21): [Redacted] Condo Warranty.pdf (Credit Review Documentation) was uploaded | 01/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 523949996 |  |  |  | 33614291 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted]or Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-01-22): Hazard Insurance Policy received and uploaded. Exception cleared.<br>Seller Comment (2025-01-21): Master Insurance AND HO6 policy uploaded<br> [Redacted].pdf (Credit Review Documentation) was uploaded | 01/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 578253280 |  |  |  | 33614305 |  | 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 ___. |  |  |  |  | Reviewer Comment (2025-04-17): Details corrected in closing disclosure and Borrower has sufficient fund. Exception cleared.<br>Seller Comment (2025-04-16): Borrower has enough funds and received cash back of [Redacted] per the PCCD<br> 1003.pdf (Loan Application) was referenced | 04/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614307 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Total fee amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-04-23): [Redacted] received corrected PCCD, LOE and closing statement.<br>Seller Comment (2025-04-22): The [Redacted] was a lender credit to cure listed on section J done at closing. there is no copy of check.<br>Seller Comment (2025-04-22): Please see Final settlement service attached<br> [Redacted] [Redacted].pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-22): [Redacted] received Post CD dated [Redacted] and LOX. However, we still require copy of refund check for $[Redacted] and also True & certified Alta statement in order to verify the fees.<br>Seller Comment (2025-04-21): Please see attestation letter attached<br> [Redacted] ATTESTATION LETTER.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-14): [Redacted] received LOE and PCCD updating the title fees and adding $[Redacted] cure on it. However, copy of refund check for $[Redacted] and ALTA final settlement statement to verify the fees charged to borrower at closing is required to address the exception and finalize the fees.<br>Seller Comment (2025-04-11): Please see PCCD<br> [Redacted] PCCD.pdf (Unclassified) was uploaded | 04/23/2025 |  |  | 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 A | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614308 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Most recent tax transcripts signed and dated 1040 not provided in file. |  |  |  | Reviewer Comment (2025-04-11): Per Rate Lock, its a P&L program, data corrected, exception cleared. | 04/11/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614309 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Most recent tax transcripts signed and dated 1040 not provided in file. |  |  |  | Reviewer Comment (2025-04-11): Per Rate Lock, its a P&L program, data corrected, exception cleared.<br>Seller Comment (2025-04-09): this is a P&L only program. 1040s and transcritps are not required | 04/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614310 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Most recent tax transcripts signed and dated 1040 not provided in file. |  |  |  | Reviewer Comment (2025-04-11): Per Rate Lock, its a P&L program, data corrected, exception cleared. | 04/11/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614311 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Most recent tax transcripts signed and dated 1040 not provided in file. |  |  |  | Reviewer Comment (2025-04-11): Per Rate Lock, its a P&L program, data corrected, exception cleared. | 04/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Most recent tax transcripts signed and dated [Redacted] not provided in file. |  |  |  | Reviewer Comment (2025-04-11): Per Rate Lock, its a P&L program, data corrected, exception cleared. | 04/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 578253280 |  |  |  | 33614313 |  | 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 missing income documentation: Most recent tax transcripts signed and dated [Redacted] not provided in file. |  |  |  | Reviewer Comment (2025-04-11): Per Rate Lock, its a P&L program, data corrected, exception cleared. | 04/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 574445741 |  |  |  | 33614314 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | The Flood Insurance policy provided does not reflect the maximum coverage amount available from NFIP. |  |  |  | Reviewer Comment (2025-04-24): Flood Insurance document received and verified. Exception cleared<br>Buyer Comment (2025-04-23): Flood insurance uploaded for review. | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 551548955 |  |  |  | 33614319 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on [Redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Initial Loan Estimate does not contain an issue date. |  |  |  | Reviewer Comment (2025-04-21): [Redacted] received LOA to remove document(s) D0389 estimated to be provided on [Redacted], from testing as not provided to the borrower.<br>Seller Comment (2025-04-17): The LE in question was a internal LE and was never disclosed to the borrower. it was included in the package in error.<br> [Redacted] Attestation.pdf (Unclassified) was uploaded | 04/21/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Lender Attestation or other documentation to identify the date the LE was issued C B | Non QM | Non QM | No |
|  | 551548955 |  |  |  | 33614321 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | File contains an LE with no issue date that does not disclose Appraisal Review Fee. |  |  |  | Reviewer Comment (2025-04-21): [Redacted] received LOA to remove document(s) D0389 estimated to be provided on [Redacted], from testing as not provided to the borrower.<br>Seller Comment (2025-04-18): Conditions is not valid as LE referring to is not valid see LOE submitted on other conditionos. | 04/21/2025 |  |  | 1 C A |  | NY | 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 | No |
|  | 551548955 |  |  |  | 33614322 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | File contains an LE with no issue date that does not disclose MERS fee. |  |  |  | Reviewer Comment (2025-04-21): [Redacted] received LOA to remove document(s) D0389 estimated to be provided on [Redacted], from testing as not provided to the borrower.<br>Seller Comment (2025-04-18): Conditions is not valid as LE referring to is not valid see LOE submitted on other conditionos. | 04/21/2025 |  |  | 1 C A |  | NY | 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 | No |
|  | 551548955 |  |  |  | 33614323 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for lack of housing history for borrower. | 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 X months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-14): Preapproved exception |  |  | 04/14/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 565066495 |  |  |  | 33614326 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. In HOA questionnaire document Project [Redacted] % completed is updated as "No" and Developer transferred control of the HOA to the Unit Owners is updated as "No". |  |  |  | Reviewer Comment (2025-04-17): Completion is not [Redacted]% and control not transferred due to new project. New project is eligible with full review as per guidelines. All Condo documents and Project approval available. Exception cleared.<br>Seller Comment (2025-04-16): 1008.pdf (Unclassified) was uploaded | 04/17/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | N/A | N/A | No |
|  | 570872302 |  |  |  | 33614331 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. [Redacted] k-1 is missing for [Redacted] This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-25): Loan is NonQM.<br>Buyer Comment (2025-04-22): Loan was qualified using combined income sources with [Redacted] months 1099 being the main source. For the K1, section 10.1 of guidelines requires income documented for one or two years with a K1 being allowed when combing with other income. Borrower also meets the less than [Redacted]% ownership. The bullet point that references PnL states "can be" included, not that it is required. Please escalate.<br>Reviewer Comment (2025-04-22): Unable to clear. K-1 document used for [Redacted] income is required. A P&L is not located in the file.<br>Buyer Comment (2025-04-17): The [Redacted] K1 had not been issued at the time of application. Borrower's letter of explanation under doc ID D0443, plus [Redacted] income checks under doc IDs D0229 thru D0232 (and doc IDs D0252 thru D0255), and an income worksheet under doc ID D0233 were all provided in lieu of the [Redacted] K1. | 04/25/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
|  | 570872302 |  |  |  | 33614332 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less 25% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current [Redacted] (Less than [Redacted] % Ownership) status using reasonably reliable third-party records. | [Redacted] k-1 is missing for [Redacted] This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-25): Documentation meets lender guides.<br>Buyer Comment (2025-04-22): Loan was qualified using combined income sources with [Redacted] months 1099 being the main source. For the K1, section 10.1 of guidelines requires income documented for one or two years with a K1 being allowed when combing with other income. Borrower also meets the less than [Redacted]% ownership. The bullet point that references PnL states "can be" included, not that it is required. Please escalate.<br>Reviewer Comment (2025-04-22): Unable to clear. K-1 document used for [Redacted] income is required. A P&L is not located in the file.<br>Buyer Comment (2025-04-17): The [Redacted] K1 had not been issued at the time of application. Borrower's letter of explanation under doc ID D0443, plus [Redacted] income checks under doc IDs D0229 thru D0232 (and doc IDs D0252 thru D0255), and an income worksheet under doc ID D0233 were all provided in lieu of the [Redacted] K1. | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 570872302 |  |  |  | 33614333 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify [Redacted] (Less than [Redacted]% Ownership) income using reasonably reliable third-party records. | Loan designation failure due to ATR failure. [Redacted] k-1 is missing for [Redacted] This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-25): Documentation meets lender guides.<br>Buyer Comment (2025-04-22): Loan was qualified using combined income sources with [Redacted] months 1099 being the main source. For the K1, section 10.1 of guidelines requires income documented for one or two years with a K1 being allowed when combing with other income. Borrower also meets the less than [Redacted]% ownership. The bullet point that references PnL states "can be" included, not that it is required. Please escalate.<br>Reviewer Comment (2025-04-22): Unable to clear. K-1 document used for [Redacted] income is required. A P&L is not located in the file.<br>Buyer Comment (2025-04-17): The [Redacted] K1 had not been issued at the time of application. Borrower's letter of explanation under doc ID D0443, plus [Redacted] income checks under doc IDs D0229 thru D0232 (and doc IDs D0252 thru D0255), and an income worksheet under doc ID D0233 were all provided in lieu of the [Redacted] K1. | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 570872302 |  |  |  | 33614334 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. [Redacted] k-1 is missing for [Redacted] This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-25): Documentation meets lender guides. | 04/25/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 576752661 |  |  |  | 33614338 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in file showing borrower received copy of appraisal 3 days prior to note date. Appraisals were provided, however not at lease 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-04-22): 3 days timing waiver received, exception cleared.<br>Buyer Comment (2025-04-21): Submitted waiver for review. | 04/22/2025 |  |  | 1 B A |  | AZ | Investment | Purchase | C A B | N/A | N/A | No |
|  | 576752661 |  |  |  | 33614340 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is a leasehold. Per lender guides, leasehold properties are not eligible. |  |  |  | Reviewer Comment (2025-04-22): Received updated information regarding leasehold. Condition cleared.<br>Buyer Comment (2025-04-17): Leasehold properties are not eligible only when using a Hybrid Appraisal under section 13.3 of guidelines. Under section 13.4 of guidelines, leased land is acceptable if the term of the lease does not exceed the term of the loan by [Redacted] years. The lease ends on the last day of [Redacted] per doc ID D0296, page 527, which is [Redacted] years after the term of the loan. | 04/22/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A B | N/A | N/A | No |
|  | 576752661 |  |  |  | 33614341 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is a leasehold, however the appraisal indicates the subject is fee simple. This will need to be corrected. |  |  |  | Reviewer Comment (2025-04-25): Corrected appraisal received, exception cleared.<br>Buyer Comment (2025-04-24): Submitted corrected appraisal reflecting Leasehold on page 1 | 04/25/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A B | N/A | N/A | No |
|  | 568276094 |  |  |  | 33614344 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception #1 for property being listed for sale within last 6 months and no prepayment penalty. ([Redacted]) | 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 X months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 700<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-16): Client elected to waive exceptions with compensating factors. |  |  | 04/16/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 568276094 |  |  |  | 33614345 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception #2 The Asset utilization calculation has backed out the highest balance for the line of credit from the total qualifying assets calculation. | 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 X months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 700<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-16): Client elected to waive exceptions with compensating factors. |  |  | 04/16/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 568276094 |  |  |  | 33614347 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  | Reviewer Comment (2025-04-18): There is no lender's affiliate disclosure.<br>Buyer Comment (2025-04-17): The document in question under Doc ID D0342 is not a [Redacted] Lending disclosure rather is from "[Redacted]". Per the [Redacted] Lending SSPL Doc ID D0363 & D0413, we do not have any affiliates and are not affiliated with [Redacted]. | 04/18/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 568276094 |  |  |  | 33614348 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614350 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614351 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. |  | Only [Redacted] months bank statements were provided for a [Redacted] month personal bank statement program. |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded for review. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614352 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR risk due to missing income documentation: [Redacted] months bank statements were provided for a [Redacted] month personal bank statement program. |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614353 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing income documentation: [Redacted] months bank statements were provided for a [Redacted] month personal bank statement program. |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614354 |  | 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 risk due to missing income documentation: [Redacted] months bank statements were provided for a [Redacted] month personal bank statement program. |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614355 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614357 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Only [Redacted] months bank statements were provided for a 24 month personal bank statement program. |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 594407586 |  |  |  | 33614358 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-04-23): Update 1008, rate lock and approval received. 1003 was already showing trust income. Trust income requirements met, exception cleared.<br>Buyer Comment (2025-04-22): The documentation type should have been Full Doc, updated 1008, approval and lock confirmation uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 576335718 |  |  |  | 33614366 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | HOA Questionnaire is missing in file. |  |  |  | Reviewer Comment (2025-04-24): Received clarification. Condition cleared.<br>Buyer Comment (2025-04-21): Per section [Redacted] of the guidelines "No Project Review: 2 to 4 unit projects". Per the 1073 appraisal report provided Doc ID D0270 page 767, the subject property is located in a 2 unit project, additional documentation is not required. | 04/24/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 548423521 |  |  |  | 33614369 |  | 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. | Evidence preliminary appraisals dated [Redacted] and [Redacted] were provided to borrower is missing. |  |  |  | Reviewer Comment (2025-04-23): Appraisal delivery receipt received & associated. Exception cleared.<br>Seller Comment (2025-04-21): Borrower acknowledgment that he received all the appraisal reports.<br> App. disc.pdf (Unclassified) was uploaded | 04/23/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 548423521 |  |  |  | 33614371 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $[Redacted]on initial CD to $[Redacted]on final CD with no valid COC provided. No evidence of cure found. |  |  |  | Reviewer Comment (2025-04-22): [Redacted] Received Valid COC dated [Redacted] along with CD.<br>Seller Comment (2025-04-21): See attached COC CD DONE ON [Redacted]<br> COC CD [Redacted].pdf (Closing Disclosure) was uploaded | 04/22/2025 |  |  | 1 C A |  | NY | 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 | No |
|  | 548423521 |  |  |  | 33614372 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested and approved for no open or active mortgage reporting on credit. | 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 X months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Reserves: [Redacted]<br> Guideline Requirement: 6.00<br>DTI: [Redacted]% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-21): Client elects to waive with compensating factors. |  |  | 04/21/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614373 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate not provided. |  |  |  | Reviewer Comment (2025-04-29): Flood Certificate received and verified. Exception cleared<br>Buyer Comment (2025-04-28): Submitted Flood Cert for review. | 04/29/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614374 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Lenders initial 1003 not provided. |  |  |  | Reviewer Comment (2025-04-23): Initial 1003 received and verified. Exception cleared<br>Buyer Comment (2025-04-21): Initial 1003 uploaded for review. | 04/23/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614376 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. | Brokers and lenders initial 1003's not provided. |  |  |  | Reviewer Comment (2025-04-23): Initial 1003 received and verified. Exception cleared<br>Buyer Comment (2025-04-21): Initial 1003 uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614378 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 not provided. |  |  |  | Reviewer Comment (2025-04-23): Initial 1003 received and verified. Exception cleared<br>Buyer Comment (2025-04-21): Initial 1003 uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614380 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine due to missing 1003. |  |  |  | Reviewer Comment (2025-04-23): Initial 1003 received and verified. Exception cleared<br>Buyer Comment (2025-04-21): Initial 1003 uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614381 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Failure is due to missing initial application date. |  |  |  | Reviewer Comment (2025-04-23): Initial 1003 received and verified. Exception cleared<br>Buyer Comment (2025-04-21): Initial 1003 uploaded to trailing docs for review. | 04/23/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614382 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in file showing borrower received revised appraisal. |  |  |  | Buyer Comment (2025-04-28): EV2 Acknowledged |  |  | 04/28/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614383 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence in file showing borrower received revised appraisal at least 3 business days prior to closing. |  |  |  | Buyer Comment (2025-04-28): EV2 Acknowledged |  |  | 04/28/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614384 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Unable to determine due to missing initial application/1003. |  |  |  | Reviewer Comment (2025-04-29): [Redacted] received 1003 dated [Redacted]<br>Buyer Comment (2025-04-28): Initial 1003 uploaded to Trailing Docs for review on [Redacted] at [Redacted]<br>Buyer Comment (2025-04-21): Initial 1003 uploaded to trailing docs for review. | 04/29/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614385 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614386 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. |  | Appraised value of $[Redacted] million does not match AUS appraised value of $[Redacted] million. Appraisal was updated with a lower value. |  |  |  | Reviewer Comment (2025-04-28): Updated AUS and 1008 received and verified. Exception cleared<br>Buyer Comment (2025-04-25): Submitted updated DU and 1008 for review. | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577266677 |  |  |  | 33614387 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. |  | Appraised value of $[Redacted] million does not match AUS appraised value of $[Redacted] million. |  |  |  | Reviewer Comment (2025-04-28): Updated AUS and 1008 received and verified. Exception cleared | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 573218252 |  |  |  | 33614394 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The access letter from the additional partner of of [Redacted] for the use of business funds in the [Redacted] [Redacted] #[Redacted]is not located in the file. |  |  |  | Reviewer Comment (2025-04-23): Access letter is available.<br>Buyer Comment (2025-04-21): The access letter for the [Redacted] [Redacted] and [Redacted] accounts was submitted in the initial shipping package which can be located in your file Doc ID D0392 page 750 & Doc ID D0393 page 751. | 04/23/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563069034 |  |  |  | 33614403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to Transfer Tax Fee. No valid COC provided, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-24): 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 (2025-04-23): Please see page 2 of 5 of CD section J for lender credit for $[Redacted] tolerance cure.<br> carter cd and fss.pdf (Unclassified) was uploaded | 04/24/2025 |  |  | 1 C A |  | FL | 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 | No |
|  | 563069034 |  |  |  | 33614404 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing |  |  |  | Reviewer Comment (2025-04-24): Sufficient Cure Provided At Closing |  | 04/24/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 583184083 |  |  |  | 33614414 |  | 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 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-04-30): Appraisal delivery receipt date updated correctly. Exception cleared.<br>Buyer Comment (2025-04-29): Proof of Appraisal Delivery for the [Redacted] report was included in the initial shipping package and is located in your portal under doc IDs D0303 and D0500. | 04/30/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 583184083 |  |  |  | 33614415 |  | 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 revised valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-04-30): Appraisal delivery receipt date updated correctly. Exception cleared.<br>Buyer Comment (2025-04-29): Proof of Appraisal Delivery for the [Redacted] report was included in the initial shipping package and is located in your portal under doc IDs D0303 and D0500. | 04/30/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 583184083 |  |  |  | 33614416 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated Available for Reserves of [Redacted] is less than Guideline Available for Reserves of 6 months |  |  |  | Reviewer Comment (2025-04-30): Data captured correctly on Closing disclosure. Exception cleared.<br>Buyer Comment (2025-04-29): [Redacted] acknowledges [Redacted]% usage of $[Redacted] in verified liquid assets under doc ID D0267. The Final CD under doc ID D0418 reflects $[Redacted] funds needed to close + $[Redacted] unverified EMD. $[Redacted] - $[Redacted] is $[Redacted] in remaining assets/$[Redacted] PITIA = [Redacted] months reserves. | 04/30/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 583184083 |  |  |  | 33614418 |  | 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. Insufficient asset to cover reserve required. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-30): Data captured correctly on Closing disclosure. Exception cleared.<br>Buyer Comment (2025-04-29): [Redacted] acknowledges [Redacted]% usage of $[Redacted] in verified liquid assets under doc ID D0267. The Final CD under doc ID D0418 reflects $[Redacted] funds needed to close + $[Redacted] unverified EMD. $[Redacted] - $[Redacted] is $[Redacted] in remaining assets/$[Redacted] PITIA = [Redacted] months reserves. | 04/30/2025 |  |  | 1 B A C |  | LA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 583184083 |  |  |  | 33614419 |  | 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. | Loan designation failure due to ATR failure. Insufficient asset to cover reserve required. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-04-30): Data captured correctly on Closing disclosure. Exception cleared.<br>Buyer Comment (2025-04-29): [Redacted] acknowledges [Redacted]% usage of $[Redacted] in verified liquid assets under doc ID D0267. The Final CD under doc ID D0418 reflects $[Redacted] funds needed to close + $[Redacted] unverified EMD. $[Redacted] - $[Redacted] is $[Redacted] in remaining assets/$[Redacted] PITIA = [Redacted] months reserves. | 04/30/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 597360547 |  |  |  | 33614426 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2025-05-02): Delivery evidence available for revised appraisal. One Preliminary appraisal was delivered on [Redacted].<br>Buyer Comment (2025-05-01): Per §[Redacted](a)(1) The reference to providing copies of "all" appraisals and other written valuations does not refer to all versions of the same appraisal or other written valuation. If you get multiple versions of an appraisal or other written valuation, you have to give the applicant only the latest version. The revised appraisal report signed by the appraiser on [Redacted] was sent to the borrower on [Redacted] per Doc ID D0455, the presumed receipt date is [Redacted], the loan did not close until [Redacted], which meets ECOA requirements for waiving (Doc ID D0371), as the report was received prior to closing. | 05/02/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 597360547 |  |  |  | 33614429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | LE issued on [Redacted] not signed by borrower until [Redacted]. |  |  |  | Reviewer Comment (2025-05-02): [Redacted] received disclosures summary to show LE was fulfilled.<br>Buyer Comment (2025-05-01): Initial disclosure tracking denoting the [Redacted] fulfillment (mailing) date has been uploaded for review. | 05/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 597360547 |  |  |  | 33614431 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2025-05-02): Delivery evidence available for revised appraisal.<br>Buyer Comment (2025-05-01): Per §[Redacted](a)(1) The reference to providing copies of "all" appraisals and other written valuations does not refer to all versions of the same appraisal or other written valuation. If you get multiple versions of an appraisal or other written valuation, you have to give the applicant only the latest version. The revised appraisal report signed by the appraiser on [Redacted] was sent to the borrower on [Redacted] per Doc ID D0455, the presumed receipt date is [Redacted], the loan did not close until [Redacted], which meets ECOA requirements for waiving (Doc ID D0371), as the report was received prior to closing. | 05/02/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 597360547 |  |  |  | 33614432 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for cash-out refi on property listed in the last 6 months is approved. | 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 X months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Loan to Value: [Redacted]%<br> Guideline Maximum Loan to Value: 70.00000% | Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-05-06): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-01): The approved credit exception is in the loan file Doc ID D0216, please advise as to what else is needed. Thank you. |  |  | 05/06/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 577811777 |  |  |  | 33614436 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR or most recent 12 months' consecutive cancelled checks is not located in the file to verify housing history. |  |  |  | Reviewer Comment (2025-05-05): 12 month cancelled checks provided in loan file, Exception Cleared.<br>Buyer Comment (2025-05-02): The VOR documentation was provided in the initial shipping package within your portal "Out of Scope" "Official Check" Doc ID D0825. Additionally, please update the document type on this loan file to 24 Month Bank Statement per Doc ID D0402, your portal currently denotes 12 Month Bank Statement. | 05/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 581720443 |  |  |  | 33726822 |  | 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 ___. | Loan amount exceeds max allowable loan amount of $[Redacted], lender exception in file. | Borrower has owned the subject property for at least [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>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-15): Lender exception in file. |  |  | 04/15/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 581720443 |  |  |  | 33726823 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. Missing LOE from other owners of the business to verify okay to use business funds and amount allowed to use. |  |  |  | Reviewer Comment (2025-04-30): Received and associated Evidence of Access to Funds document. Exception cleared.<br>Buyer Comment (2025-04-28): see docs provided | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 581720443 |  |  |  | 33726824 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 month primary payment history was not provided. |  |  |  | Reviewer Comment (2025-06-06): Received Updated Credit Supplement to verify 12 months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-06-04): See docs provided | 06/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 581720443 |  |  |  | 33726825 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-30): Received and associated Evidence of Access to Funds document. Exception cleared. | 04/30/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 581720443 |  |  |  | 33726826 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-30): Received and associated Evidence of Access to Funds document. Exception cleared | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559931490 |  |  |  | 33726830 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing letter reflecting that use of business funds for [Redacted] will not adversely impact the business. |  |  |  | Reviewer Comment (2025-05-27): Documentation provided; exception cleared.<br>Reviewer Comment (2025-05-14): Please provide Cash Flow Analysis and LOE from borrower stating that use of business funds will not have a negative impact on the business. Exception remains.<br>Buyer Comment (2025-05-13): See uploaded CPA letter<br>Buyer Comment (2025-05-12): See Uploaded LOX for use of funds. | 05/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559931490 |  |  |  | 33726831 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing documentation describing borrower's ownership in [Redacted]. |  |  |  | Reviewer Comment (2025-05-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-23): See Uploaded CPA letter and Tax Account status | 05/27/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559931490 |  |  |  | 33726832 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing documentation describing borrower's ownership in [Redacted]. |  |  |  | Reviewer Comment (2025-06-13): Documentation provided, exception cleared.<br>Buyer Comment (2025-06-13): See uploaded statements and note the Savings account attached, please include in your asset calculations as they were used to qualify.<br>Reviewer Comment (2025-06-12): Borrower is still short funds to close. Received One month bank statements for Savings account number#[Redacted] and Checking account number#[Redacted] with an end date of [Redacted]. As per the guidelines, 2 months statements are required. Exception remains<br>Buyer Comment (2025-06-10): See Uploaded Bank Statement period ending [Redacted] and Income Wire<br>Reviewer Comment (2025-06-10): Included assets from [Redacted], borrower is still short funds to close. Do we have a cpa letter or cash flow analysis for use of business funds from [Redacted]?. We also need to source the EMD of $[Redacted].<br>Buyer Comment (2025-06-06): See uploaded CPA letter dated [Redacted]<br>Reviewer Comment (2025-06-06): Please provide a dated copy of the cpa letter to verify it was provided prior to closing.<br>Buyer Comment (2025-06-04): See Uploaded CPA Letter confirming [Redacted]% ownership and no Impact on business<br>Reviewer Comment (2025-05-27): Missing cpa letter that states there will be no negative impact to the business with use of business funds for closing.<br>Buyer Comment (2025-05-23): See Uploaded CPA letter and Tax Account status | 06/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 559931490 |  |  |  | 33726833 |  | 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 is at ATR risk due to insufficient asset documentation. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See uploaded CPA letter dated [Redacted] attached to condition #[Redacted]<br>Reviewer Comment (2025-06-06): Please provide a dated copy of the cpa letter to verify it was provided prior to closing.<br>Buyer Comment (2025-06-04): See uploaded CPA letter attached to condition #[Redacted] | 06/10/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 559931490 |  |  |  | 33726834 |  | 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. | Loan is at ATR risk due to insufficient asset documentation. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See uploaded CPA letter dated [Redacted] attached to condition #[Redacted]<br>Reviewer Comment (2025-06-06): Please provide a dated copy of the cpa letter to verify it was provided prior to closing.<br>Buyer Comment (2025-06-04): See uploaded CPA letter attached to condition #[Redacted] | 06/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 560450967 |  |  |  | 33726842 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four business days prior to closing |  |  |  | Reviewer Comment (2025-05-12): [Redacted] received proof of receipt.<br>Buyer Comment (2025-05-09): Please see the E-Log for the [Redacted] LE and [Redacted] LE. Document shows that the disclosure was sent on [Redacted] & [Redacted] and message viewed by the borrower indicating receipt of both LE's within 4 business days of closing.<br>Reviewer Comment (2025-05-07): The [Redacted] LE was received on [Redacted], based on the 3-eay mail box rule, however the closing was [Redacted]. So, the LE was not received by the borrower 4 or more days prior to closing. [Redacted](e)(4)(ii) also requires that the consumer must receive any revised version of the disclosures required under § [Redacted](e)(1)(i) no later than four business days prior to consummation, and provides that if the revised version of the disclosures are not provided to the consumer in person, the consumer is considered to have received the revised version of the disclosures three business days after the creditor delivers or places in the mail the revised version of the disclosures.<br>Buyer Comment (2025-05-06): See docs provided | 05/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 560450967 |  |  |  | 33726843 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four business days prior to closing |  |  |  | Reviewer Comment (2025-05-12): [Redacted] received proof of receipt.<br>Buyer Comment (2025-05-09): Please see the E-Log for the [Redacted] LE and [Redacted] LE. Document shows that the disclosure was sent on [Redacted] & [Redacted] and message viewed by the borrower indicating receipt of both LE's within 4 business days of closing.<br>Reviewer Comment (2025-05-07): The [Redacted] LE was received on [Redacted], based on the 3-day mailbox rule, however the closing was [Redacted]. So, the LE was not received by the borrower 4 or more days prior to closing. [Redacted](e)(4)(ii) also requires that the consumer must receive any revised version of the disclosures required under § [Redacted](e)(1)(i) no later than four business days prior to consummation, and provides that if the revised version of the disclosures are not provided to the consumer in person, the consumer is considered to have received the revised version of the disclosures three business days after the creditor delivers or places in the mail the revised version of the disclosures.<br>Buyer Comment (2025-05-06): See docs provided | 05/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726846 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-12): Fraud report | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726847 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Received and associated hazard Insurance document. Exception cleared.<br>Buyer Comment (2025-05-12): Hazard insurance | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726848 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Received and associated Purchase Agreement / Sales Contract for subject property. Exception cleared.<br>Buyer Comment (2025-05-12): Purchase contract | 05/13/2025 |  |  | 1 D A |  | IL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726849 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Policy was not provided. |  |  |  | Reviewer Comment (2025-05-13): Received and associated hazard Insurance document. Exception cleared.<br>Buyer Comment (2025-05-12): Hazard uploaded to [Redacted] | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726850 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-05-13): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-05-12): Title binder | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726851 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-05-13): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-12): Fraud report uploaded to [Redacted]. | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D B A C | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726858 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Loan Estimate not provided. |  |  |  | Reviewer Comment (2025-05-13): [Redacted] received [Redacted] LE<br>Buyer Comment (2025-05-12): Loan estimate [Redacted] | 05/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
|  | 581766475 |  |  |  | 33726860 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[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] % or $[Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. Loan Estimate not provided. |  |  |  | Reviewer Comment (2025-05-16): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-15): PCCD and cure docs. Covering all TRID exceptions<br>Reviewer Comment (2025-05-14): [Redacted]: The initial LE that was provided in the trailing images was also provided in the original loan package. However, the recording fee increase of $[Redacted] from $[Redacted] on final CD dated [Redacted] without [Redacted]. Also, Cure provided at closing is insufficient to cure for all citied [Redacted]% and [Redacted]% exception. Provide valid COC for the fee increased on Final CD dated [Redacted] or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-05-13): Initial LE |  | 05/16/2025 |  | 2 C B |  | IL | 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 |
|  | 581766475 |  |  |  | 33726861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. Loan Estimate not provided. |  |  |  | Reviewer Comment (2025-05-13): [Redacted] received [Redacted] LE | 05/13/2025 |  |  | 1 C A |  | IL | 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 |
|  | 581766475 |  |  |  | 33726862 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted] received [Redacted] LE. [Redacted] changed circumstance form did not document & sufficient explain the change reason for the increase in the fee. COC only states updated fee amount. A valid reason for increasing the fee must be documented for a valid change reason. |  |  |  | Reviewer Comment (2025-05-16): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-15): PCCD and cure docs. Covering all TRID exceptions uploaded to [Redacted]. |  | 05/16/2025 |  | 2 B |  | IL | 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 |
|  | 559209933 |  |  |  | 33726866 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-05-13): Received and associated Supplemental Title preliminary title policy amount $360,000.00. Exception cleared.<br>Buyer Comment (2025-05-12): attached<br>Buyer Comment (2025-05-12): Title supplemental report | 05/13/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 559209933 |  |  |  | 33726870 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure 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 Closing Disclosure 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. | Disclosed Total of Payments was $[Redacted]. Calculated Total of Payments is $[Redacted]. Variance of -$[Redacted]. Total of Payments was updated to $[Redacted] on Closing Disclosure with issue date [Redacted]. |  |  |  | Reviewer Comment (2025-06-06): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-06-05): RTC signed by borrower<br>Buyer Comment (2025-06-05): Mailer and tracking showing delivered<br>Reviewer Comment (2025-05-26): Courier tracking does not indicate receipt of cure package at this time. Additionally, This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Buyer Comment (2025-05-23): Mailer<br>Buyer Comment (2025-05-23): Check<br>Buyer Comment (2025-05-23): LOE<br>Reviewer Comment (2025-05-15): [Redacted] received [Redacted] Corrected CD. However, missing the remaining cure documents. Provide LOE to borrower which accompanied the PCCD, copy of cure refund of $[Redacted] for total underdisclosure, proof of mailing and proof of reopening rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-05-14): PCCD |  | 06/06/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 559209933 |  |  |  | 33726871 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of borrower's percentage of business ownership for Bubble Non-Emergency. |  |  |  | Reviewer Comment (2025-05-14): Received and associated Operating Agreement for [Redacted] Non Emergency Transport with Percentage of Ownership. Exception Cleared.<br>Buyer Comment (2025-05-13): Shareholder agreement | 05/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 533947644 |  |  |  | 33726882 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing cash flow analysis for use of business funds. |  |  |  | Reviewer Comment (2025-06-13): Received and associated Cash Flow analysis. Sufficient assets for closing verified. Exception cleared.<br>Buyer Comment (2025-06-11): See docs provided | 06/13/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 581674773 |  |  |  | 33726886 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received initial LE dated [Redacted].<br>Buyer Comment (2025-06-05): See docs provided<br>Reviewer Comment (2025-05-22): [Redacted] received rebuttal that LE was disclosed on [Redacted]. However, there are varying documents in file with discrepancy to the actual application date. Must provide documentation to support the application date and lender's receipt of the 6 pieces of information supporting that date. Please note the following documentation in loan file with dates prior to the noted [Redacted] application date: Title commitment dated [Redacted] reflects the borrower name as proposed insured (doc ID 0312), FACTA Disclosures dated [Redacted] Doc ID (D0228) which required borrower name and SSN. Compliance report dated [Redacted] reflects TILA/RESPA fails (page 5 of 30 of report) stating the initial LE, SSPL & homeownership counseling disclosures issued >3 business days from the application date of [Redacted] (issued on [Redacted]). Please document, clarify and address the discrepancies and verify actual application date and information submitted to constitute an application for purposes of RegZ. Documents in file appear to have a consistent loan ID #, but if a prior application was denied or cancelled, provide adverse action notice to support that action and the receipt of new information.<br>Buyer Comment (2025-05-21): Initial app was [Redacted]. LE was given to borrower on [Redacted] as well. See attached LE. | 06/09/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 574745776 |  |  |  | 33726889 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Title - Service Charges. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received LOX for rebuttal response for a valid Changed circumstance.<br>Buyer Comment (2025-06-05): See docs provided<br>Reviewer Comment (2025-05-29): [Redacted] received COC dated [Redacted] but the reason provided is not valid for adding the deed preparation and water cert fee. Please provide more details on what new information received to the lender that was unknown at the time of initial which resulted in adding the fees or cure would be required.<br>Buyer Comment (2025-05-28): See coc provided | 06/09/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 574745776 |  |  |  | 33726890 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-09): [Redacted] received LOX for rebuttal response for a valid Changed circumstance.<br>Buyer Comment (2025-06-05): See docs provided<br>Reviewer Comment (2025-05-29): [Redacted] received COC dated [Redacted] but the reason provided is not valid for adding the deed preparation and water cert fee. Please provide more details on what new information received to the lender that was unknown at the time of initial which resulted in adding the fees or cure would be required.<br>Buyer Comment (2025-05-28): See docs to tpr | 06/09/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 564003731 |  |  |  | 33726893 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing cash flow analysis for use of business funds. |  |  |  | Reviewer Comment (2025-06-10): Received and associated Cash Flow analysis. Sufficient assets for closing verified. Exception cleared.<br>Buyer Comment (2025-06-06): See cash flow provided<br>Reviewer Comment (2025-06-02): Please Provide Cash flow analysis to verify no negative impact to business with use of business fund. Exception remains<br>Buyer Comment (2025-05-30): See docs provided | 06/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 513969316 |  |  |  | 33726904 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [Redacted] - No evidence of required counseling disclosure language per [Redacted]. | No evidence of required counseling disclosure language per [Redacted] |  |  |  | Reviewer Comment (2025-05-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-27): See docs provided | 05/30/2025 |  |  | 1 B A |  | MD | Primary | Purchase | C A B | Non QM | Non QM | No |
|  | 513969316 |  |  |  | 33726906 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |  | 05/19/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A B | Non QM | Non QM | Yes |
|  | 513969316 |  |  |  | 33726907 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Received and associated Letter Of Expiation. Exception cleared.<br>Buyer Comment (2025-05-21): See LOX provided about both marriages/child support<br>Buyer Comment (2025-05-21): see LOX for both | 05/22/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C A B | Non QM | Non QM | No |
|  | 571225721 |  |  |  | 33726916 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing wire to title for gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-28): Received Deposit Receipt and Wire Confirmation of $[Redacted] gift funds sent to title company. Sufficient assets for closing and reserve requirement verified. Exception Cleared.<br>Buyer Comment (2025-05-27): See docs provided | 05/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 571225721 |  |  |  | 33726917 |  | 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. | Missing wire to title for gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-28): Received Deposit Receipt and Wire Confirmation of $[Redacted] gift funds sent to title company. Sufficient assets for closing and reserve requirement verified. Exception Cleared.<br>Buyer Comment (2025-05-27): See docs provided | 05/28/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 571225721 |  |  |  | 33726918 |  | 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. | Missing wire to title for gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-28): Received Deposit Receipt and Wire Confirmation of $[Redacted] gift funds sent to title company. Sufficient assets for closing and reserve requirement verified. Exception Cleared.<br>Buyer Comment (2025-05-27): See docs provided | 05/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 571225721 |  |  |  | 33726919 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing wire to title for gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-28): Received Deposit Receipt and Wire Confirmation of $[Redacted] gift funds sent to title company. Sufficient assets for closing and reserve requirement verified. Exception Cleared.<br>Buyer Comment (2025-05-27): See docs provided | 05/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 543527689 |  |  |  | 33726927 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-05-30): An updated Title Commitment with the correct coverage amount was provided.<br>Buyer Comment (2025-05-30): See docs provided<br>Reviewer Comment (2025-05-30): Title commitment still has incorrect loan amount, exception remains.<br>Buyer Comment (2025-05-28): See docs provided | 05/30/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 543527689 |  |  |  | 33726928 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of Business Narrative form. |  |  |  | Reviewer Comment (2025-05-29): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-28): See docs provided | 05/29/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 543527689 |  |  |  | 33726929 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation. |  |  |  | Reviewer Comment (2025-05-29): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-28): See docs provided | 05/29/2025 |  |  | 1 D A |  | NJ | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 543527689 |  |  |  | 33726930 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month housing history of primary that meets guidelines. Lender approved exception for non-traditional housing payment history. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower 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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[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] points. | [Redacted]% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): The client elects to waive.<br>Buyer Comment (2025-05-28): See docs provided |  |  | 05/30/2025 | 2 C B |  | NJ | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 543527689 |  |  |  | 33726931 |  | 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 finding due to missing business narrative. |  |  |  | Reviewer Comment (2025-05-29): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-28): See docs provided | 05/29/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
|  | 543527689 |  |  |  | 33726932 |  | 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 finding due to missing business narrative. |  |  |  | Reviewer Comment (2025-05-29): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-28): See docs provided | 05/29/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D B C A | Non QM | Non QM | No |
|  | 558347311 |  |  |  | 33726934 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $[Redacted] sufficient to cover the mortgage amount of $[Redacted] however is insufficient to cover the estimated cost new of $[Redacted] please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall is $[Redacted] |  |  |  | Reviewer Comment (2025-05-29): Received and Associated Updated Hazard Insurance Policy and Replacement Cost Estimator document with $[Redacted]. Exception cleared.<br>Buyer Comment (2025-05-28): See docs provided | 05/29/2025 |  |  | 1 C A |  | MS | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 558347311 |  |  |  | 33726936 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Private VOR requires 12 months cancelled checks. Checks in file are only copies of the checks. |  |  |  | Reviewer Comment (2025-06-13): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-11): Some of the checks were for 2 payments at one time - please review.<br>Reviewer Comment (2025-06-10): 11 months provided, exception remains.<br>Buyer Comment (2025-06-06): See docs provided | 06/13/2025 |  |  | 1 C A |  | MS | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 577333247 |  |  |  | 33726955 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | 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. |  |  |  | Reviewer Comment (2025-06-16): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-13): TRID cure docs<br>Reviewer Comment (2025-05-29): [Redacted] received LOE that cure was already provided at closing however, the cure provided is $[Redacted] while the cure required is $[Redacted]. Please provide additional cure of $[Redacted].<br>Buyer Comment (2025-05-28): LOE |  | 06/16/2025 |  | 2 C B |  | MI | 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 |
|  | 577333247 |  |  |  | 33726956 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Legal Description of property was not attached to the Security Instrument. |  |  |  | Reviewer Comment (2025-06-02): Received and associated Rider - Legal Description. Exception Cleared.<br>Buyer Comment (2025-05-29): Complete DOT | 06/02/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726958 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Verification of the existence of Borrower's Business within [Redacted] calendar days prior to the note date was not provided. |  |  |  | Reviewer Comment (2025-06-13): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-12): See docs provided<br>Reviewer Comment (2025-06-10): The third party verif. is dated post closing with no other documentation to verify the business prior to closing, exception remains.<br>Buyer Comment (2025-06-06): See docs provided | 06/13/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726959 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statements | Ability to Repay (Dodd-Frank 2014): Unable to verity Bank Statement income due to, bank statement provided was dated more than 90 days prior to closing, other verification was not provided from a reliable third party income source. | Unable to verity Bank Statement income due to, bank statement provided was dated more than [Redacted] days prior to closing. Most recent Business Bank statement provided was [Redacted]. Closing date was [Redacted]. |  |  |  | Reviewer Comment (2025-06-13): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-11): Document provided is from [Redacted].<br>Reviewer Comment (2025-06-10): Provide most recent months bank statements, statements in file are from January.<br>Buyer Comment (2025-06-06): See docs provided | 06/13/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726961 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to missing income and asset documentation. |  |  |  | Reviewer Comment (2025-06-13): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-12): See docs provided<br>Reviewer Comment (2025-06-10): The third party verif. is dated post closing with no other documentation to verify the business prior to closing. Also, insufficient assets verified to meet reserve requirement.<br>Buyer Comment (2025-06-06): See docs provided | 06/13/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
|  | 579264958 |  |  |  | 33726962 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR requirements not met due to missing income and asset documentation. |  |  |  | Reviewer Comment (2025-06-13): Documentation provided; exception cleared. | 06/13/2025 |  |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726964 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See docs provided | 06/10/2025 |  |  | 1 D A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726965 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See docs provided | 06/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726966 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 month verification of primary payment history was not provided. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See docs provided | 06/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726967 |  | 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]. Business Funds were used to qualify. Evidence of access to the funds was not provided. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided<br>Reviewer Comment (2025-06-17): The operating agreement provided is not for Chevria Inc., exception remains.<br>Buyer Comment (2025-06-13): Item number 10 of previously provided Operating agreement has [Redacted] of allocation. | 06/20/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726968 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Verification of the existence of Borrower's Business within [Redacted] calendar days prior to the note date was not provided. |  |  |  | Reviewer Comment (2025-06-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-06): See docs provided | 06/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726969 |  | 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 requirements not met due to missing income and asset documentation. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided<br>Reviewer Comment (2025-06-13): Insufficient assets verified to meet reserve requirement.<br>Buyer Comment (2025-06-12): See docs provided | 06/20/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 579264958 |  |  |  | 33726970 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |  | 05/28/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | Yes |
|  | 579264958 |  |  |  | 33726971 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification of borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-18): See docs provided<br>Reviewer Comment (2025-06-17): The operating agreement provided is not for [Redacted]., exception remains.<br>Buyer Comment (2025-06-13): Item number 10 of previously provided Operating agreement has [Redacted] of allocation.<br>Reviewer Comment (2025-06-13): Missing borrower's percentage of business ownership for [Redacted], exception remains.<br>Buyer Comment (2025-06-12): see ownership docs | 06/20/2025 |  |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
|  | 568836642 |  |  |  | 33726976 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  |  |  | Reviewer Comment (2025-06-10): SitusAMC received 1004.<br>Buyer Comment (2025-06-06): See docs provided<br>Reviewer Comment (2025-06-03): The timing for the LE under § [Redacted](e)(1)(iii) is three business days from application. Initial LE issued [Redacted]. On this loan, the LE should have been issued within 3 business days of the broker application date of [Redacted] (As per initial 1003 in file).<br>Buyer Comment (2025-05-30): See docs provided | 06/10/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563167891 |  |  |  | 33726982 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative document is not provided |  |  |  | Reviewer Comment (2025-05-30): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-30): See docs provided | 05/30/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563167891 |  |  |  | 33726983 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax and insurance verification |  |  |  | Reviewer Comment (2025-06-17): Received and associated corrected final 1003 for REO property "[Redacted]". Exception Cleared.<br>Buyer Comment (2025-06-13): See docs provided<br>Reviewer Comment (2025-06-03): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Address: [Redacted], Address: [Redacted], Address: [Redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br> Tax Verification<br> Tax Verification<br>Reviewer Comment (2025-05-30): Provided HOA Verification document reflects$[Redacted], As per mortgage statement Tax and Insurance Escrowed for REO Property "[Redacted]", however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains<br>Buyer Comment (2025-05-30): See docs provided | 06/17/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563167891 |  |  |  | 33726984 |  | 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. | Missing income documentation required per guidelines. (business narrative). |  |  |  | Reviewer Comment (2025-05-30): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-30): See docs provided | 05/30/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 563167891 |  |  |  | 33726985 |  | 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. | Missing income documentation required per guidelines. (business narrative). |  |  |  | Reviewer Comment (2025-05-30): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-30): See docs provided | 05/30/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 563167891 |  |  |  | 33726988 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing CPA validation. |  |  |  | Reviewer Comment (2025-06-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-17): See docs provided<br>Reviewer Comment (2025-06-03): The same CPA Letter was provided; however, per guidelines, validation of the license/PTIN is required.<br>Buyer Comment (2025-05-30): See docs provided | 06/19/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 502256735 |  |  |  | 33727015 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 06/09/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 502256735 |  |  |  | 33727016 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided |  |  |  | Reviewer Comment (2025-06-09): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 554892915 |  |  |  | 33727029 |  | 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]. Business Accounts were used to qualify. Require CPA or Borrower letter stating use of Business funds will not negatively affect the Business. Gift Funds were used to qualify. Evidence of Transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-06-16): Received and associated LOE from borrower stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2025-06-12): See docs provided<br>Reviewer Comment (2025-06-09): Gift docs provided, borrower still short funds for closing, Missing evidence of access to use business funds for closing, exception remains.<br>Reviewer Comment (2025-06-09): 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>Buyer Comment (2025-06-05): See docs provided | 06/16/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 554892915 |  |  |  | 33727031 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Business Accounts were used to qualify. Require CPA or Borrower letter stating use of Business funds will not negatively affect the Business. Gift Funds were used to qualify. Evidence of Transfer of funds was not provided. |  |  |  | Reviewer Comment (2025-06-09): Gift documentation provided.<br>Reviewer Comment (2025-06-09): Gift docs provided, borrower still short funds for closing, Missing evidence of access to use business funds for closing, exception remains.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 554892915 |  |  |  | 33727032 |  | 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 finding due to the missing asset documentation, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-06-09): Gift documentation provided.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 554892915 |  |  |  | 33727033 |  | 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.) | Waterfall finding due to the missing asset documentation. |  |  |  | Reviewer Comment (2025-06-09): Gift documentation provided.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 554892915 |  |  |  | 33727034 |  | 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 finding due to the missing asset documentation. |  |  |  | Reviewer Comment (2025-06-09): Gift documentation provided.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 587962535 |  |  |  | 33727038 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-06-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/06/2025 |  |  | 1 B A |  | MA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 587962535 |  |  |  | 33727040 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. Lender requested exception for borrower with qualifying FICO of [Redacted]. Lender exception approval was not provided. |  |  |  | Reviewer Comment (2025-06-12): The client changed the loan program to [Redacted], exception cleared.<br>Reviewer Comment (2025-06-12): [Redacted] did not approve exception request<br>Reviewer Comment (2025-06-12): waived in error<br>Reviewer Comment (2025-06-09): The client elects to waive.<br>Buyer Comment (2025-06-05): See docs provided | 06/12/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 511828547 |  |  |  | 33727048 |  | 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. | Missing Income documentation. Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-06-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-09): See uploaded business narrative attached to condition #[Redacted] | 06/11/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 511828547 |  |  |  | 33727050 |  | 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. | Missing Income documentation. Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-06-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-09): See uploaded business narrative attached to condition #[Redacted] | 06/11/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 511828547 |  |  |  | 33727051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid Change of Circumstance found in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2025-06-10): [Redacted] received a valid COC.<br>Buyer Comment (2025-06-09): See Uploaded Final CD and COC | 06/10/2025 |  |  | 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 A | Non QM | Non QM | Yes |
|  | 511828547 |  |  |  | 33727052 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require updated Final 1003. 1003 states Borrower was renting at [Redacted] for $[Redacted] per month. Letter in file states Borrower lives at address rent free. |  |  |  | Reviewer Comment (2025-06-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-09): See Uploaded, corrected 1003 | 06/11/2025 |  |  | 1 C A D |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 511828547 |  |  |  | 33727053 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Business Narrative document. |  |  |  | Reviewer Comment (2025-06-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-09): See Uploaded Business Narrative | 06/11/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 527737333 |  |  |  | 33727091 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-09): Sufficient Cure Provided At Closing |  | 06/09/2025 |  | 1 A |  | WI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 506188134 |  |  |  | 33727094 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing |  | 06/06/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 511586504 |  |  |  | 33727111 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-18): EMD docs provided, exception cleared.<br>Buyer Comment (2025-06-16): See docs provided | 06/18/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 511586504 |  |  |  | 33727112 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-18): EMD docs provided, exception cleared.<br>Buyer Comment (2025-06-16): See docs provided | 06/18/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 511586504 |  |  |  | 33727113 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-18): EMD docs provided, exception cleared. | 06/18/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 533586744 |  |  |  | 33727122 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | [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 (2025-06-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-12): See doc provided | 06/16/2025 |  |  | 1 C A |  | IL | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 533586744 |  |  |  | 33727123 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/[Redacted]). |  |  |  | Reviewer Comment (2025-06-13): [Redacted] received LE Dated [Redacted]<br>Buyer Comment (2025-06-12): See docs provided | 06/13/2025 |  |  | 1 C A |  | IL | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 548843525 |  |  |  | 33727151 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-16): Sufficient Cure Provided At Closing |  | 06/16/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 537301940 |  |  |  | 33727170 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-09): Received replacement cost document confirms current coverage includes [Redacted]% replacement cost. Exception cleared.<br>Buyer Comment (2025-06-05): See docs provided<br>Reviewer Comment (2025-05-28): A Replacement Cost Estimator is required to determine whether the coverage amount will cover the cost of improvements as required by FNMA.<br>Buyer Comment (2025-05-23): See docs provided | 06/09/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 537301940 |  |  |  | 33727171 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet tradeline requirement. A lender exception from [Redacted] was provided, however missing lender exception from [Redacted]. | 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 X months. | [Redacted] FICO | SitusAMC,Originator,Aggregator<br>SitusAMC | Reviewer Comment (2025-05-23): The client elects to waive.<br>Buyer Comment (2025-05-21): See [Redacted] exception |  |  | 05/23/2025 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 534593540 |  |  |  | 33727173 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | A Fraud report was not provided. |  |  |  | Reviewer Comment (2025-05-29): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-28): Fraud report with OFAC uploaded to [Redacted] | 05/29/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | 534593540 |  |  |  | 33727174 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-28): \*OFAC starts on page 11 :)<br>Buyer Comment (2025-05-28): Fraud report with OFAC | 05/29/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | 534593540 |  |  |  | 33727175 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-28): Fraud report with OFAC uploaded to [Redacted] | 05/29/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | 534593540 |  |  |  | 33727176 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-28): Fraud report with OFAC uploaded to [Redacted] | 05/29/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | 549259061 |  |  |  | 33727181 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Articles of Organization/Formation for [Redacted], a Limited Liability Company. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded articles of Organization | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727182 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided |  | Assignment of Leases and Rents Rider was not provided. |  |  |  | Reviewer Comment (2025-05-29): Received and associated Assignment of Leases/Rents Rider. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded Assignment of Leases and Rents Rider | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727183 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded Business Purpose Certificate | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727184 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Certificate of Good Standing for [Redacted], a Limited Liability Company. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded Certificate of Good Standing<br>Buyer Comment (2025-05-28): See Uploaded Flood Hazard Certification | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727185 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Purchase Agreement / Sales Contract for subject property. Exception cleared.<br>Buyer Comment (2025-05-28): See Uploaded sales Contract | 05/28/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727186 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Operating Agreement for [Redacted], a Limited Liability Company. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded Operating Agreement | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727187 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-05-28): See Uploaded Title Report | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727188 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Employer Identification Number (EIN) for [Redacted], a Limited Liability Company. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded EIN assignment | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727189 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Flood Certificate document. Exception Cleared.<br>Buyer Comment (2025-05-29): See uploaded flood cert<br>Reviewer Comment (2025-05-28): Please provide a copy of Flood Certificate. Exception remains.<br>Buyer Comment (2025-05-28): See Uploaded Flood Hazard Certification | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727190 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-29): See Uploaded Fraud Guard<br>Reviewer Comment (2025-05-28): Please provide a copy of fraud report. Exception remains.<br>Buyer Comment (2025-05-28): See Uploaded Drive Report | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727191 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | . |  |  |  | Reviewer Comment (2025-05-29): Received and associated Hazard Insurance Policy document. Exception Cleared.<br>Buyer Comment (2025-05-29): See Uploaded HOI Cert<br>Reviewer Comment (2025-05-28): Please provide a copy of Hazard Insurance Policy. Exception remains.<br>Buyer Comment (2025-05-28): Hazard Insurance Binder | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727192 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-05-28): See uploaded Title Commitment<br>Buyer Comment (2025-05-28): See uploaded Title Report | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727193 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received and associated Corporate Resolution for [Redacted], a Limited Liability Company. Exception Cleared.<br>Buyer Comment (2025-05-29): See Uploaded LLC Resolution document | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727194 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-05-28): Received and associated Title Commitment with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-05-28): See uploaded Title Report | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727195 |  | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines |  | Assignment of Leases and Rents Rider was not provided. |  |  |  | Reviewer Comment (2025-05-29): Received and associated Assignment of Leases/Rents. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded Assignment of Leases and Rents Rider | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727196 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Missing Prepayment Rider |  |  |  | Reviewer Comment (2025-05-29): Received and associated Prepayment Rider. Exception Cleared.<br>Buyer Comment (2025-05-28): See Uploaded Pre-Payment Rider | 05/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 549259061 |  |  |  | 33727198 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Please Provide Note Addendum - Prepayment. |  |  |  | Reviewer Comment (2025-05-30): Received and associated Note Addendum - Prepayment Document. Exception Cleared.<br>Buyer Comment (2025-05-30): See Uploaded Prepayment Addendum | 05/30/2025 |  |  | 1 A |  | NY | Investment | Purchase | D A |  | N/A | Yes |
|  | 549259061 |  |  |  | 33727199 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] . Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-02): Received and Associated Replacement Cost Estimator document with $[Redacted]. Exception cleared.<br>Buyer Comment (2025-06-02): See Uploaded Replacement Cost Estimate | 06/02/2025 |  |  | 1 A |  | NY | Investment | Purchase | D A |  | N/A | No |
|  | 575984822 |  |  |  | 33727202 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Please verify policy includes [Redacted]% replacement coverage. |  |  |  | Reviewer Comment (2025-06-06): Received replacement cost document confirms current coverage includes [Redacted]% replacement cost. Exception cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 575984822 |  |  |  | 33727203 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter of explanation describing reason subject property is vacant. |  |  |  | Reviewer Comment (2025-06-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 527140005 |  |  |  | 33727204 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing. |  |  |  | Reviewer Comment (2025-06-17): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-13): Business Purpose | 06/17/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
|  | 597252412 |  |  |  | 33727216 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and Appraisal Update and/or Completion Report is not provided in file. |  |  |  | Reviewer Comment (2025-06-13): Received and associated Final Inspection / 442 document. Exception Cleared.<br>Buyer Comment (2025-06-11): Completion report | 06/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 535507252 |  |  |  | 33727217 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-06-09): Received and associated Purchase Agreement / Sales Contract for subject property. Exception cleared.<br>Buyer Comment (2025-06-05): Purchase contract. | 06/09/2025 |  |  | 1 D A |  | CT | Investment | Purchase | D A |  | N/A | No |
|  | 511645699 |  |  |  | 33727226 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-06-13): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-06-11): lender fraud report | 06/13/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 511645699 |  |  |  | 33727227 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-06-13): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-06-11): lender fraud report uploaded to [Redacted] | 06/13/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 528307480 |  |  |  | 33727257 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for condo repairs. | Borrower has been employed in the same industry for more than [Redacted] years.<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 X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception in file. |  |  | 05/30/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 500084469 |  |  |  | 33809931 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Unanimous Consent of Members provided reflects a different person is authorized to execute documents than the member that signed the loan documents |  |  |  | Reviewer Comment (2025-05-12): Received required documentation. Condition cleared.<br>Seller Comment (2025-05-07): CORP RESOLUTION<br> CORP RESOLUTION.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-04-11): Require corporate resolution document. Exception remains.<br>Seller Comment (2025-04-10): Please see Deed of Bargain of sale<br> [Redacted] DEED.pdf (Unclassified) was uploaded | 05/12/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
|  | 501202451 |  |  |  | 33809933 |  | 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]. |  |  |  | Reviewer Comment (2025-04-30): Provided 1031 exchange statement. Exception cleared.<br>Seller Comment (2025-04-29): Please be advised that there are two separate assets associated with the 1031 Exchange from sale of [Redacted]...1) [Redacted] (Exchange ID 206613) have a balance of $[Redacted] 2) [Redacted] (Exchange ID [Redacted]) has a balance of $[Redacted]. Documentation uploaded. Thank you<br> 1240 Weisbarth Assets.pdf (Credit Review Documentation) was uploaded | 04/30/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
|  | 594695874 |  |  |  | 33809936 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-05-05): Received Operating Agreement in the file. Exception Cleared.<br>Seller Comment (2025-05-01): see llc docs uploaded | 05/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 594695874 |  |  |  | 33809938 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-05-05): Received Certificate of Good Standing in the file. Exception Cleared.<br>Seller Comment (2025-05-01): see llc docs uploaded | 05/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 594695874 |  |  |  | 33809939 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-05-05): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Seller Comment (2025-05-01): Please see LLC doc attached<br> LLC DOCUMENTATION.pdf (Unclassified) was uploaded | 05/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 594695874 |  |  |  | 33809940 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood insurance: $[Redacted]. Loan amount: $[Redacted]. Standard coverage for Flood insurance is $[Redacted]. |  |  |  | Reviewer Comment (2025-05-05): Cleared. Located renewal in the file. | 05/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 594695874 |  |  |  | 33809941 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter, articles of organization and operating agreement not provided in file. |  |  |  | Reviewer Comment (2025-05-05): Received Operating agreement as a Evidence of Access to Funds in the file. Exception Cleared.<br>Seller Comment (2025-05-01): see llc docs uploaded | 05/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 515754678 |  |  |  | 33809943 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Comparable rent schedule not provided in file. |  |  |  | Reviewer Comment (2025-05-08): Received [Redacted] statement. Condition cleared.<br>Seller Comment (2025-05-07): this is a short term rental 1007 are required for long term rentals | 05/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 515754678 |  |  |  | 33809944 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Unable to ascertain DSCR; prior lease rate, comparable rent schedule and Lease Agreement not provided in file. |  |  |  | Reviewer Comment (2025-05-08): Received [Redacted] statement. Condition cleared.<br>Seller Comment (2025-05-05): [Redacted] shows rent<br> Rent.pdf (Unclassified) was referenced | 05/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 515754678 |  |  |  | 33809945 |  | 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. |  | Cash-out refinance, lease agreement not provided. |  |  |  | Reviewer Comment (2025-05-08): Received [Redacted] statement. Condition cleared.<br>Seller Comment (2025-05-05): [Redacted] for rent<br> Rent.pdf (Unclassified) was referenced | 05/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 529687866 |  |  |  | 33809952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan discount points not disclosed until final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-05-09): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-05-08): Submitted COC for review. | 05/09/2025 |  |  | 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 A | Non QM | Non QM | No |
|  | 529687866 |  |  |  | 33809953 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A VOR for [Redacted] Month Housing History is not located in the file. The 1008 states that is in not required due AUS requirement however an AUS/DU is not located in the file. |  |  |  | Reviewer Comment (2025-04-14): As per AUS VOR is not required. Exception cleared<br>Buyer Comment (2025-04-14): Submitted DU with Credit, Lock Confirmation 1008, and Approval showing Flex product at time of closing. | 04/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 566946711 |  |  |  | 33809955 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement missing for investment property located at [Redacted]. |  |  |  | Reviewer Comment (2025-04-28): Closing disclosure confirms the PITIA, exception cleared.<br>Seller Comment (2025-04-25): [Redacted] (Credit Review Documentation) was uploaded | 04/28/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A | N/A | N/A | No |
|  | 525773027 |  |  |  | 33809959 |  | Credit | Guideline | Guideline Issue | Guideline | Delayed Financing indicated and Delayed Financing Guidelines are not met. |  | Lenders write up reflects transaction is delayed financing due to seasoning. A copy of the final CD from the purchase of the subject was not located in the file |  |  |  | Reviewer Comment (2025-05-06): Received required documentation. Condition cleared.<br>Seller Comment (2025-05-01): see attached to clear<br> [Redacted] (Unclassified) was uploaded | 05/06/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809963 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  | Reviewer Comment (2025-05-08): Received required documentation. Condition cleared.<br>Buyer Comment (2025-05-06): Submitted ILE [Redacted] for review.<br>Reviewer Comment (2025-05-06): The [Redacted] LE is not present in the loan file. Please provide the [Redacted] LE for review.<br>Buyer Comment (2025-05-05): Submitted Disclosure Tracking Reasons reflecting all documents sent to borrower within 3 days of application on [Redacted], including the Initial LE, Right to Receive Appraisal, and Flood Hazard Notice.<br>Reviewer Comment (2025-05-05): Disclosure summary does not confirm which disclosure was issued in initial package. and Right to received copy not signed.<br>Buyer Comment (2025-05-02): Submitted Appraisal Disclosure for review. This document was part of the RESPA package sent to the borrower on [Redacted] per the Disclosure Tracking Summary under doc ID D0272. | 05/08/2025 |  |  | 1 B A |  | FL | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809964 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure |  |  |  | Reviewer Comment (2025-05-12): Signed disclosure received.<br>Buyer Comment (2025-05-09): Submitted signed and dated copy of Notice of Special Flood Hazard Disclosure for review.<br>Reviewer Comment (2025-05-08): The issue here is the disclosure was not signed by the borrower's.<br>Buyer Comment (2025-05-05): Submitted Disclosure Tracking Reasons reflecting all documents sent to borrower within 3 days of application on [Redacted], including the Initial LE, Right to Receive Appraisal, and Flood Hazard Notice.<br>Reviewer Comment (2025-05-05): Disclosure summary does not confirm which disclosure was issued in initial package.<br>Buyer Comment (2025-05-02): Submitted Homeownership Counseling List for review. This document was part of the RESPA package sent to the borrower on [Redacted] per the Disclosure Tracking Summary under doc ID D0272.<br>Buyer Comment (2025-05-02): Flood Hazard Disclosure under doc ID D0227 dated [Redacted] was included in the RESPA package to the borrower with a Sent date of [Redacted] and a Receipt date of [Redacted] per the Disclosure Tracking Summary under doc ID D0272. | 05/12/2025 |  |  | 1 B A |  | FL | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809965 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-05-05): Homeownership Counseling List received, Exception Cleared.<br>Buyer Comment (2025-05-02): Submitted Homeownership Counseling List for review. This document was part of the RESPA package sent to the borrower on [Redacted] per the Disclosure Tracking Summary under doc ID D0272. | 05/05/2025 |  |  | 1 B A |  | FL | Second Home | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  | Reviewer Comment (2025-05-08): Received required documentation. Condition cleared.<br>Buyer Comment (2025-05-06): Submitted ILE [Redacted] for review.<br>Reviewer Comment (2025-05-06): The [Redacted] LE is not present in the loan file. Please provide the [Redacted] LE for review.<br>Buyer Comment (2025-05-02): Disclosure Tracking Summary under doc ID D0272 reflects the initial LE Sent Date of [Redacted] and a Received Date of [Redacted]. | 05/08/2025 |  |  | 1 C A |  | FL | Second Home | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809967 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2025-05-05): Settlement service provider list received, exception cleared. | 05/05/2025 |  |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809968 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-05): Settlement service provider list received, exception cleared.<br>Buyer Comment (2025-05-02): Submitted SSPL for review. The fees referenced in Section C totaling $[Redacted] (items 01, 02, and 04) are paid to [Redacted]., which is a service the borrower did shop for. [Redacted]. is not referenced on the SSPL; therefore, the fees would fall within the no tolerance limit. | 05/05/2025 |  |  | 1 C A |  | FL | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
|  | 595487509 |  |  |  | 33809969 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-05): Settlement service provider list received, exception cleared.<br>Buyer Comment (2025-05-02): The $[Redacted] fee referenced in Section C, item 10, is paid to [Redacted]. which is a service the borrower did shop for. [Redacted]. is not referenced on the SSPL; therefore, the fee would fall within the no tolerance limit. | 05/05/2025 |  |  | 1 C A |  | FL | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
|  | 560925388 |  |  |  | 33809974 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File) | [Redacted] Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | The signed/dated document was not located in the file. |  |  |  | Reviewer Comment (2025-05-02): Disclosure provided.<br>Buyer Comment (2025-05-02): South Carolina Regulatory Agency To Receive Borrower Complaints disclosure uploaded for review. | 05/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 560925388 |  |  |  | 33809975 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-02): Sufficient Cure Provided At Closing |  | 05/02/2025 |  | 1 A |  | SC | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 540470775 |  |  |  | 33809977 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for Borrower purchasing current residence from deceased grandfather's trust , currently living rent free | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least X months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted]. | Guidelines Representative FICO: 700<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-02): Client elected to waive exceptions with compensating factors. |  |  | 05/02/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 576184265 |  |  |  | 33809982 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | VT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 576184265 |  |  |  | 33809983 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-07): Sufficient Cure Provided At Closing |  | 05/07/2025 |  | 1 A |  | VT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 598067562 |  |  |  | 33809988 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves of [Redacted] has been verified however [Redacted] months reserve is required. The 1008 notes an exception for the reserve shortage however the lender exception request and approval document is not located in the file. |  |  |  | Reviewer Comment (2025-05-16): Per lender guides, a minimum of [Redacted] months reserves can be acceptable on a case by case basis. Condition cleared.<br>Buyer Comment (2025-05-15): Per guidelines section [Redacted] RESERVE REQUIREMENTS "A variance may be allowed but never less than [Redacted] months less than program requirements with underwriter justification and compensating factors", an approved credit exception is not required. | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 598067562 |  |  |  | 33809989 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-05-16): Per lender guides, a minimum of [Redacted] months reserves can be acceptable on a case by case basis. Condition cleared.<br>Buyer Comment (2025-05-15): Per guidelines section [Redacted] RESERVE REQUIREMENTS "A variance may be allowed but never less than [Redacted] months less than program requirements with underwriter justification and compensating factors", an approved credit exception is not required. | 05/16/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 598067562 |  |  |  | 33809990 |  | 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 (2025-05-16): Per lender guides, a minimum of 3 months reserves can be acceptable on a case by case basis. Condition cleared.<br>Buyer Comment (2025-05-15): Per guidelines section [Redacted] RESERVE REQUIREMENTS "A variance may be allowed but never less than [Redacted] months less than program requirements with underwriter justification and compensating factors", an approved credit exception is not required. | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 598067562 |  |  |  | 33809991 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserves of [Redacted] has been verified however 6 months reserve is required. The 1008 notes an exception for the reserve shortage however the lender exception request and approval document is not located in the file. |  |  |  | Reviewer Comment (2025-05-16): Per lender guides, a minimum of 3 months reserves can be acceptable on a case by case basis. Condition cleared.<br>Buyer Comment (2025-05-15): Per guidelines section [Redacted] RESERVE REQUIREMENTS "A variance may be allowed but never less than 3 months less than program requirements with underwriter justification and compensating factors", an approved credit exception is not required. | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 598067562 |  |  |  | 33809992 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-05-16): Appraisal delivery confirmation document received, Exception Cleared.<br>Buyer Comment (2025-05-15): Proof that the [Redacted] appraisal report was sent and downloaded by the borrower on [Redacted] was provided in the initial shipping package Doc ID D0364 page 204. | 05/16/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 598067562 |  |  |  | 33809994 |  | 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.) | Reserves of [Redacted] has been verified however [Redacted] months reserve is required. The 1008 notes an exception for the reserve shortage however the lender exception request and approval document is not located in the file. |  |  |  | Reviewer Comment (2025-05-16): Per lender guides, a minimum of 3 months reserves can be acceptable on a case by case basis. Condition cleared.<br>Buyer Comment (2025-05-15): Per guidelines section [Redacted] RESERVE REQUIREMENTS "A variance may be allowed but never less than 3 months less than program requirements with underwriter justification and compensating factors", an approved credit exception is not required. | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 505837892 |  |  |  | 33823635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | The file was missing a copy of the seller CD. |  |  |  | Reviewer Comment (2025-06-27): [Redacted] received settlement attorney attestation confirming seller fees paid by seller not listed on borrower CD<br>Buyer Comment (2025-06-27): Attorney attestation attached<br>Reviewer Comment (2025-06-17): [Redacted] received Seller Cd but no fees were listed. Please provide Seller CD with seller paid fees noted or final ALTA signed stamped closing statement showing seller paid fees.<br>Buyer Comment (2025-06-16): Settlement statement with seller fees.<br>Reviewer Comment (2025-06-11): [Redacted] received Seller CD. However, require copy of Final Seller Settlement Statement to verify the fees paid by seller at closing. Sales contract states Buyer pays all closing costs, however, there are realtors involved which Seller would typically pay those costs.<br>Buyer Comment (2025-06-10): Seller CD | 06/27/2025 |  |  | 1 C A |  | AL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
|  | 505837892 |  |  |  | 33823636 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-11): [Redacted] received attestation stating pest inspection was chosen by borrower.<br>Buyer Comment (2025-06-10): Lender attestation.<br>Reviewer Comment (2025-05-29): [Redacted] received rebuttal comment but from the file we are unable to identify if the fee is lender required or title required. If the borrower-chosen service provider further outsourced the Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider and is not lender required. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-05-28): Sec C of CD unlimited tolerance - pest inspection fee. Borrower shopped for service. | 06/11/2025 |  |  | 1 C A |  | AL | 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 |
|  | 505837892 |  |  |  | 33823637 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of the Business Narrative |  |  |  | Reviewer Comment (2025-06-06): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): Business Narrative | 06/06/2025 |  |  | 1 C A |  | AL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 505837892 |  |  |  | 33823639 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-05-27): Received and associated Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared.<br>Buyer Comment (2025-05-22): Attached<br>Buyer Comment (2025-05-22): 1008 | 05/27/2025 |  |  | 1 C A |  | AL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 505837892 |  |  |  | 33823640 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent Free Letter or Letter of Explanation for no primary housing expense was not provided. |  |  |  | Reviewer Comment (2025-05-29): Received and associated Rent Free Letter. Exception cleared.<br>Buyer Comment (2025-05-28): Rent free letter | 05/29/2025 |  |  | 1 C A D |  | AL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 505837892 |  |  |  | 33823641 |  | 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. | Missing third party verification of business dated within [Redacted] days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-06): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): Business Narrative uploaded to [Redacted]<br>Reviewer Comment (2025-05-30): Third party verif provided, still missing business narrative.<br>Buyer Comment (2025-05-28): Business search<br>Buyer Comment (2025-05-28): Business verification | 06/06/2025 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 505837892 |  |  |  | 33823642 |  | 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. | Missing third party verification of business dated within [Redacted] days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-06): Received and associated business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): Business Narrative uploaded to [Redacted]<br>Reviewer Comment (2025-05-30): Third party verif provided, still missing business narrative.<br>Buyer Comment (2025-05-28): Uploaded to [Redacted] | 06/06/2025 |  |  | 1 C A |  | AL | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 559287846 |  |  |  | 33823643 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted]OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-24): Policy includes replacement cost coverage.<br>Reviewer Comment (2025-06-18): HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] ([Redacted]+[Redacted]+[Redacted]) or provide copy of insurer's replacement cost estimate supporting current coverage amount or percentage (%). Exception remains.<br>Buyer Comment (2025-06-16): See dec page with replacement cost - similar construction.<br>Reviewer Comment (2025-06-09): The $[Redacted] add'l dwelling coverage is already included, exception remains.<br>Buyer Comment (2025-06-05): See docs provided | 06/24/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 559287846 |  |  |  | 33823647 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing business narrative. |  |  |  | Reviewer Comment (2025-06-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 573884843 |  |  |  | 33823662 |  | 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 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]%. |  |  |  | Reviewer Comment (2025-06-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-20): LOE, no additional appraisal versions.<br>Buyer Comment (2025-06-20): Initial appraisal<br>Reviewer Comment (2025-06-18): Please provide a copy of the initial appraisal, (the doc says the appraisal received on [Redacted] was a revised copy). Also, please provide a copy of the appraisal that was provided on [Redacted].<br>Buyer Comment (2025-06-16): Appraisal delivery [Redacted] uploaded to [Redacted].<br>Reviewer Comment (2025-06-12): Appraisal not provided at least 3 business days prior to closing.<br>Buyer Comment (2025-06-12): Proof of appraisal delivery attached | 06/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 573884843 |  |  |  | 33823663 |  | 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 valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-20): Initial appraisal and LOE stating no additional appraisal versions uploaded to [Redacted]<br>Reviewer Comment (2025-06-18): Please provide a copy of the initial appraisal, (the doc says the appraisal received on [Redacted] was a revised copy). Also, please provide a copy of the appraisal that was provided on [Redacted].<br>Buyer Comment (2025-06-16): Appraisal delivery [Redacted]<br>Reviewer Comment (2025-06-12): Appraisal not provided at least 3 business days prior to closing.<br>Buyer Comment (2025-06-12): Please see proof of appraisal delivery | 06/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 573884843 |  |  |  | 33823667 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 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]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-06-24): Documentation provided; exception clear. | 06/24/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 573884843 |  |  |  | 33823668 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-24): Documentation provided; exception cleared. | 06/24/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 573884843 |  |  |  | 33823669 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-30): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-26): Appraisal delivery [Redacted] | 06/30/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 553321988 |  |  |  | 33823676 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2025-06-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-12): See docs provided<br>Reviewer Comment (2025-06-10): Disclosure should have been provided prior to closing.<br>Buyer Comment (2025-06-06): See docs provided | 06/16/2025 |  |  | 1 B A |  | FL | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 508983883 |  |  |  | 33823683 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  |  |  | Reviewer Comment (2025-06-12): [Redacted] received initial LE dated [Redacted].<br>Buyer Comment (2025-06-11): See docs provided | 06/12/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 508983883 |  |  |  | 33823684 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | 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. |  |  |  | Reviewer Comment (2025-06-17): [Redacted] received a valid COC.<br>Buyer Comment (2025-06-16): See docs provided<br>Reviewer Comment (2025-06-12): [Redacted] received COC dated [Redacted] for lock extension but the discount points were added on final CD dated [Redacted] which is not within 3 business days from the date of change. Please provide more information on adding the fee or cure would be required.<br>Buyer Comment (2025-06-11): See docs provided | 06/17/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | 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 |
|  | 508983883 |  |  |  | 33823685 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted] prior to three business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-06-24): Rescission cure provided.<br>Buyer Comment (2025-06-20): See docs provided |  | 06/24/2025 |  | 2 C B |  | NJ | Primary | Refinance - Rate/Term | 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 |
|  | 508983883 |  |  |  | 33823687 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted] individual tax returns. The guidelines require two years tax returns for full doc loans. |  |  |  | Reviewer Comment (2025-06-12): Client changed program to [Redacted] yr full doc, exception cleared. | 06/12/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 508983883 |  |  |  | 33823688 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Missing cash flow analysis for use of business funds. |  |  |  | Reviewer Comment (2025-06-12): Client changed program to [Redacted] , reserve requirement changed to 8 months, new exception added.<br>Buyer Comment (2025-06-11): See docs provided | 06/12/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 508983883 |  |  |  | 33823689 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-16): See docs provided<br>Reviewer Comment (2025-06-12): We need either more assets, or a cpa letter or other documentation that verifies borrower's percentage of business ownership for use of business funds for reserves, exception remains.<br>Buyer Comment (2025-06-11): See docs provided | 06/18/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 508983883 |  |  |  | 33823690 |  | 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. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-18): Documentation provided; exception cleared.<br>Reviewer Comment (2025-06-12): We need either more assets, or a cpa letter or other documentation that verifies borrower's percentage of business ownership for use of business funds for reserves, exception remains.<br>Buyer Comment (2025-06-11): See docs provided | 06/18/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 508983883 |  |  |  | 33823691 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-06-18): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-16): See docs provided | 06/18/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 561511095 |  |  |  | 33823697 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-06-16): Received and associated E-Sign Consent Agreement document. Exception cleared.<br>Buyer Comment (2025-06-12): see docs provided | 06/16/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 561511095 |  |  |  | 33823701 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed Amount Financed is $[Redacted]. Calculated Amount Financed is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-06-18): Upon further review the Amount Financed was correctly disclosed to consumer<br>Buyer Comment (2025-06-17): See docs provided<br>Reviewer Comment (2025-06-13): Please provide documentation or LOA indicating the Tax Certificate is a one-time fee and not a Life-of-loan fee.<br>Buyer Comment (2025-06-12): See docs provided | 06/18/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
|  | 561511095 |  |  |  | 33823702 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed Finance Charge of $[Redacted]. Calculated Finance Charge of $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2025-06-18): Upon further review finance charge was correctly disclosed to consumer<br>Buyer Comment (2025-06-17): See docs provided<br>Reviewer Comment (2025-06-13): Please provide documentation or LOA indicating the Tax Certificate is a one-time fee and not a Life-of-loan fee.<br>Buyer Comment (2025-06-12): See docs provided | 06/18/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
|  | 561511095 |  |  |  | 33823703 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]<br> Changed circumstance document in file did not state reason for change. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-06-23): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-06-20): See COC provided<br>Reviewer Comment (2025-06-18): [Redacted] received documents for Finance charge exception. Kindly provide a valid COC for the Extension fee added on CD dated [Redacted] for $[Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-06-17): See docs provided | 06/23/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 561511095 |  |  |  | 33823704 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-06-23): [Redacted] received COC on lock extension fee and Doc Prep fee was cured at closing<br>Reviewer Comment (2025-06-23): reopen to clear<br>Reviewer Comment (2025-06-13): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-06-12): See docs provided | 06/23/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 561511095 |  |  |  | 33823705 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-23): Sufficient Cure Provided At Closing |  | 06/23/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 557641084 |  |  |  | 33823794 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the Fraud report |  |  |  | Reviewer Comment (2025-06-30): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-06-26): Fraud report uploaded | 06/30/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 500120930 |  |  |  | 33823795 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-06-26): [Redacted] received [Redacted] CD, received 3 business days prior to consummation.<br>Buyer Comment (2025-06-25): See Uploaded Initial CD | 06/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 500120930 |  |  |  | 33823796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-06-26): [Redacted] received COC and LE dated [Redacted].<br>Buyer Comment (2025-06-25): See Uploaded CoC, Cover letter, LE and Rate Lock Agreement | 06/26/2025 |  |  | 1 C A |  | NY | 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 |
|  | 528666055 |  |  |  | 33823808 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file was missing a copy of Articles of Organization/Formation. |  |  |  | Reviewer Comment (2025-06-18): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-16): See Uploaded LLC Docs | 06/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823809 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-06-17): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-16): See Uploaded LLC Docs | 06/17/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823810 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-05-29): Received and associated Business Entity Listing for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-27): See uploaded Certificate of Good Standing | 05/29/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823811 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file was missing a copy of Corporate Resolution. |  |  |  | Reviewer Comment (2025-06-18): Received and associated Operating agreement for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-16): See Uploaded LLC Docs | 06/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823812 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file was missing a copy of Employer Identification Number (EIN). |  |  |  | Reviewer Comment (2025-05-27): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-27): See Uploaded IRS form documenting EIN for Business | 05/27/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823813 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-05-27): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-23): See uploaded Drive Report | 05/27/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823814 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file was missing a copy of Operating Agreement. |  |  |  | Reviewer Comment (2025-05-28): Received and associated Operating Agreement for A [Redacted], [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-27): See Uploaded Operating Agreement and Certificate of Members | 05/28/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823815 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing documentation showing ownership of business indicated on this account. |  |  |  | Reviewer Comment (2025-06-17): Received and associated Operating Agreement with ownership of business. Exception Cleared.<br>Buyer Comment (2025-06-16): See Uploaded LLC Docs | 06/17/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823816 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing percentage of borrower's business ownership for use of business assets. |  |  |  | Reviewer Comment (2025-06-24): Received and associated Operating Agreement confirming [Redacted]% ownership. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-06-20): See Uploaded Operating agreement confirming [Redacted]% ownership. Document has already been provided in clarity and uploaded to condition #[Redacted] | 06/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823817 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Missing percentage of borrower's business ownership for use of business assets. |  |  |  | Reviewer Comment (2025-06-24): Received and associated Operating Agreement confirming [Redacted]% ownership. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-06-20): See Uploaded Operating agreement confirming [Redacted]% ownership. Document has already been provided in clarity and uploaded to condition #[Redacted] | 06/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 528666055 |  |  |  | 33823818 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Missing percentage of borrower's business ownership for use of business assets. |  |  |  | Reviewer Comment (2025-06-24): Received and associated Operating Agreement confirming [Redacted]% ownership. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-06-20): See Uploaded Operating agreement confirming [Redacted]% ownership. Document has already been provided in clarity and uploaded to condition #[Redacted] | 06/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823824 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file was missing a copy of Articles of Organization/Formation. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823825 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of the Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823826 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Certificate of Good Standing for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823827 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file was missing a copy of the Corporate Resolution. |  |  |  | Reviewer Comment (2025-06-18): Received and associated Corporate Resolution for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-15): Corp Res attached | 06/18/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823828 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file was missing a copy of Employer Identification Number (EIN). |  |  |  | Reviewer Comment (2025-06-09): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823829 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The file was missing a copy of the Operating Agreement. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Operating Agreement for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823830 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The file was missing a copy of Verification of Identification. |  |  |  | Reviewer Comment (2025-06-26): Documentation provided; exception cleared.<br>Buyer Comment (2025-06-25): patriot act form uploaded<br>Reviewer Comment (2025-06-18): Please provide Verification of Identification for "[Redacted]". Exception remains<br>Buyer Comment (2025-06-15): EIN attached | 06/26/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 563838874 |  |  |  | 33823832 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Non-Owner Occupancy Declaration is missing. |  |  |  | Reviewer Comment (2025-06-09): Received and associated Business Purpose Certificate with Occupancy Declaration. Exception Cleared.<br>Buyer Comment (2025-06-05): See docs provided | 06/09/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
|  | 576638323 |  |  |  | 33823852 |  | 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] . Business assets were used to qualify. CPA, EA, or licensed tax preparer's letter stating that the use of funds in the transaction will not have a material adverse impact on the business' operations OR a complete Cash Flow Analysis is required and was not provided.1008 in File states UW completed a Cash Flow analysis .Evidence showing no impact was not in file |  |  |  | Reviewer Comment (2025-06-27): Received and associated Cash flow analysis document. Exception cleared.<br>Buyer Comment (2025-06-25): See docs provided | 06/27/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
|  | 527395572 |  |  |  | 33906774 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Documentation to confirm borrower's ownership percentage in [Redacted] and to verify access to business funds in [Redacted]#[Redacted]is not located in the file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: 620<br> Representative FICO: [Redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-05-22): Client elects to waive with comp factors. <br> Client states:[Redacted] approves exception to accept the latest SOS lookup as proof of business ownership. <br> Comp factors: [Redacted] FICO, [Redacted] DSCR, LTV (more than [Redacted]% below max)<br>Reviewer Comment (2025-04-16): Total cash to close requirement is $[Redacted]. Removing business account will result in verified amount of $[Redacted] with $[Redacted] shortfall. Provide evidence of access funds for account from [Redacted] ending with #[Redacted]. Exception remains.<br>Seller Comment (2025-04-15): It appears that the borrower would have sufficient funds to close/reserves with the removal of [Redacted] #[Redacted] and therefore the exception is not required. Can you confirm?<br>Reviewer Comment (2025-04-14): Can not confirm ownership percentage of borrower from provided Articles of Organization and certificate of Good Standing. Require operating agreement or CFA letter confirming ownership of borrower. Exception remains.<br>Seller Comment (2025-04-11): [Redacted] (Credit Review Documentation) was uploaded |  |  | 05/22/2025 | 2 C B |  | AZ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 591065895 |  |  |  | 33906779 |  | 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: ___ |  | 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: [Redacted] | SitusAMC | Reviewer Comment (2025-05-23): Client elects to waive with compensating factors. |  |  | 05/23/2025 | 2 B |  | KY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 596331385 |  |  |  | 33906789 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007 Rent Comparison Schedule is missing for subject property. |  |  |  | Reviewer Comment (2025-05-28): Not required as rental income is not calculated for income qualification as per revised 1003/1008/AUS for subject investment property.<br>Buyer Comment (2025-05-27): Submitted updated 1008, 1003, and Approval with the removal of rental income for the subject to [Redacted] for review. 1007 would not be required with update to DTI. | 05/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |

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## Exhibit 99.4

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

 **Exhibit 99.4**

**Valuation Report**

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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
|  | 523949996 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
|  | 578176888 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 568205483 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550462140 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 551810685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 589981196 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 555349278 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 597246676 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 549695540 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 556367788 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 514443356 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 539715807 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 568846252 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 522258549 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 544226718 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 543611383 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 555011177 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 561274562 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 580931728 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.740% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 502886210 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 591203022 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 519955065 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 502992593 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.299% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 578661855 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 593639202 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 535579538 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 526689141 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 505605884 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 584297579 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 557043492 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 594625941 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 558342742 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 532378003 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 567001547 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 515866821 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 555015356 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 575029161 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 597982657 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 508953897 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 563694700 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 581845048 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 588028000 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 525486785 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 523534636 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 583682822 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 513599865 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 593392387 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 569969242 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
|  | 554712217 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 551161178 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
|  | 580879821 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | 575257751 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
|  | 569413868 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 539680092 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
|  | 506097908 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 556910054 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | 560498067 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 534351566 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 507528278 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 573253404 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 535884204 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | 589027262 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 561523826 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 572595572 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 |
|  | 569119837 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 551536181 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
|  | 503574469 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
|  | 524509263 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 532231753 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 518926155 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.606% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
|  | 530805399 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 516134120 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 599444590 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.962% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 579152515 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | 541255298 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 593594826 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 525755769 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 555049235 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 588522167 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 588167657 |  |  |  |  |  |  |  |  | 0.752% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 577357918 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 594775534 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 539047487 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.512% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 500277473 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | 558045095 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 558953635 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 568032139 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 539487858 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 580399472 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.692% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 516393751 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 599265654 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 527452569 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 588692859 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 533530800 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 565610282 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 564939144 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.329% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.329% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 544810776 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 530453062 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
|  | 577186037 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
|  | 560910014 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
|  | 541051211 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 557323646 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
|  | 591839359 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 560719428 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 595394951 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.889% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
|  | 517531582 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 506979233 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 539700235 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 572770560 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 521294657 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
|  | 540131747 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 520333237 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 590045271 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.698% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 556053197 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 555659754 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 539000228 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
|  | 566563032 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
|  | 599653057 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 572525171 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 507254988 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 522088053 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 555609012 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 580250804 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
|  | 518698818 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 581439422 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 549150052 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 567895098 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 565728928 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 521517616 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 545421751 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 552174761 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 502957932 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 575767163 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 536059974 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 552032921 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 530671011 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | 547942153 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
|  | 533318426 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
|  | 544333879 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 544851658 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
|  | 545108221 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
|  | 532521318 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 553966257 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
|  | 506565852 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
|  | 502009648 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 548430551 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 580202652 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 525806826 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 521786380 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 537218828 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 554556432 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 582109239 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
|  | 546198269 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 545988432 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
|  | 591646474 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
|  | 565254397 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.371% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 546883870 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
|  | 504629974 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 583357383 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 565880779 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 507167213 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
|  | 516850059 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
|  | 564829419 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 546062765 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 578763458 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
|  | 549601589 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 586716306 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 531540916 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 588001114 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 599654256 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 507673995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 504128784 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 537121171 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 523893491 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 538493259 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | 533621247 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
|  | 545854264 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 544060803 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | 586381696 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 555235722 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 555128687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 535096161 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
|  | 520324277 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
|  | 596876526 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
|  | 525702063 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.943% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
|  | 559286059 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 505416737 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 551235996 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 559977576 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | 560366770 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
|  | 550655922 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
|  | 521248415 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 537297820 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 551702033 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 549587930 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
|  | 506121336 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 545222922 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 519266996 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
|  | 548676663 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 539287427 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 561692773 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 573533544 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 511206940 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
|  | 556965668 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 598398989 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 502556030 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 501345788 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 570046981 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
|  | 560116691 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
|  | 504320645 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 532039336 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
|  | 589224342 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 581350124 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 534230080 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
|  | 581044781 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
|  | 526853427 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
|  | 531383300 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
|  | 541052421 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 566547733 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
|  | 536317147 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 539339230 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
|  | 594788792 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 528886967 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 599387957 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 549420716 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 571833156 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
|  | 564210249 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 587798008 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 599621802 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 522125974 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 582808259 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 507868102 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 561672187 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 506449824 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
|  | 525181598 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
|  | 558741905 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 515772049 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 575335516 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 559742764 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 504888235 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
|  | 556792214 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 515014791 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 597344264 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
|  | 583529659 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
|  | 569481979 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 513341206 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 564481545 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 510702031 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 534706113 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 538166133 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 504874089 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 583580304 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
|  | 518128307 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 521750472 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 540100938 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
|  | 580173217 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 570134712 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 555672187 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 523948042 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 509940494 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 597015363 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 507867604 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 510228590 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 555187976 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550845662 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 571843560 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 531235403 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 563325380 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 546991130 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.108% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 562508634 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 535311985 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 518896051 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 558305360 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 582492458 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 583180328 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
|  | 530745887 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 525697443 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 563342231 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
|  | 536588439 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 564224369 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 595263362 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 576816968 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 567209671 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 506997277 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 522625371 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
|  | 503191186 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 504288445 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.778% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
|  | 588245053 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.402% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.70 |
|  | 563618595 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
|  | 598107626 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
|  | 510496743 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
|  | 583634304 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
|  | 584787676 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
|  | 528109639 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
|  | 582244537 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 543323734 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
|  | 535721269 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
|  | 599803314 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 560372662 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 567817589 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 506578597 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 559757853 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
|  | 554835226 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 513646819 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 557417245 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 522064770 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 560166872 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 593594636 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 529840754 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 505136346 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 522285620 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 546377847 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 500598570 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 571813791 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 589233419 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 525868007 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 570495014 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 570868086 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 580748505 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.226% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 532426869 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 555698867 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 551281878 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 527433028 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 569853558 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 519468305 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 568642152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 569162378 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 506386417 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 552301425 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 565077601 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 598878827 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 567108023 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 565002776 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 546433142 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 587852435 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 592314211 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 554891314 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 574626715 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 546263799 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 520496249 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 555152152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 500454634 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 516556056 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 594361038 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 500014302 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 504232385 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 519872319 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 529956134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 579221703 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 535069659 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 575672994 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 539145600 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 548322390 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 595378035 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 517834885 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 538215848 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 549187450 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 563302700 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.615% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 518080322 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 577411345 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 530563063 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 564452682 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 520319549 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 500992086 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 549749254 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 540391500 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 567992645 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 569127250 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 518809895 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 598462142 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 588717929 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 541305662 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 570865925 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 519393645 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | 505596222 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 542961634 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 568729087 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 564158798 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 589378580 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 513881721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 557657698 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 538647553 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 584770124 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 597944510 |  |  |  |  |  |  |  |  | 35.099% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 590116665 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 529066542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.857% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 553094714 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 599271210 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 510587791 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 570888222 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 560098274 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 546706989 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 556413203 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 508940571 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 514723039 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 541264385 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 519338637 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 547609826 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 586401891 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 529299879 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 548420303 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 582514457 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 517534781 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 551637300 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 584113688 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 529653148 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 523922197 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 599277913 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 518591922 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 598111134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 565453857 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 572172774 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 532021191 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 509666453 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 576222827 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 569144971 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 505697337 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 593689491 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 570715414 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 542399855 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 560184284 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 595584178 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 550879903 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 565382390 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.951% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 549158452 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 62.399% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 555215528 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 512784602 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 589912918 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 529935271 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 576127265 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 584018926 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 530536109 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 501495068 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 595741287 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 503447436 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 581525728 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 593892298 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | 511883449 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 582232610 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 585368272 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 503344079 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
|  | 569094138 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 526089832 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 582432894 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 512061895 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 566016653 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 537297939 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
|  | 595854288 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 577600964 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 554974260 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 539661201 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 579689574 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 535390728 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 515452873 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 513067317 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550179274 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 572400891 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 525251039 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 503137279 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 597494712 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 501377141 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 540269767 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 530062363 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 576044790 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 560274716 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 537555562 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 537505780 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 536096869 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 590241191 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 540644555 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 515792012 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 516993973 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 583953288 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 518718019 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 514270380 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 565144759 |  |  |  |  |  |  |  |  | 7.692% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 563241389 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 533981969 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 546041536 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 595618310 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 556472567 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 573943242 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 570145764 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 564446847 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.133% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 522201128 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 536588338 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 532212565 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 564027501 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.716% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 508481091 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 521673357 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 523949996 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 541885942 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.841% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.80 |
|  | 550203100 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 504541998 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 599216482 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
|  | 530367707 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
|  | 595130590 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.274% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 578253280 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 574445741 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 551548955 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 565066495 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 570872302 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 576752661 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 568276094 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 594407586 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 529501309 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 576335718 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 548423521 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 577266677 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.167% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 573218252 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 572215679 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 563069034 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
|  | 587165095 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 583184083 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 516313510 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 597360547 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 577811777 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 561727169 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 536178909 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 501927797 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 573492523 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 581720443 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.502% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 559931490 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 560450967 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 581766475 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 559209933 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550383471 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 533947644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 581674773 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 574745776 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.553% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 564003731 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 513969316 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 571225721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 543527689 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 558347311 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 577333247 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 579264958 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 522440019 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 568836642 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 500929139 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 563167891 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 502256735 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 554892915 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 521695494 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 587962535 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 542225560 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 563346470 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 511828547 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 533732085 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 527737333 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 515397906 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 506188134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 511586504 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 587812005 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 562169710 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 533586744 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 550704907 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 516889170 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 529977830 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.006% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 548843525 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 578374414 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 537301940 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 534593540 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 549259061 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 575984822 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 527140005 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 521688661 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 597252412 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | 535507252 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 554387343 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 545143792 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 510593045 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 511645699 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 582180600 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 503132953 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 551323996 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 573191896 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 547047618 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 528307480 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 509830623 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 547853795 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 596387652 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 585324729 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 537166131 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 514381231 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 500084469 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 506517565 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
|  | 501202451 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 594695874 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 515754678 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 529687866 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 566946711 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 525773027 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 595487509 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 560925388 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 540470775 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 576184265 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
|  | 598067562 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 594949565 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 546122288 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 505837892 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 559287846 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 573884843 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.978% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 553321988 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 20.930% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 20.930% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 508983883 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 561511095 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 594457946 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 504436523 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 590958176 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.515% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 503378431 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 557641084 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 500120930 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 528666055 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 563838874 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 596676593 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 576638323 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 527395572 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.70 |
|  | 544358387 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 556235600 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 591065895 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 562615100 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
|  | 596331385 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |

---

## Exhibit 99.5

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.5**

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** |  | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
|  | 523949996 |  |  |  | Exempt from ATR | Non QM | Yes |  | Yes | No | $8340.00 | $11258.55 |  | 10.474% | $2837.83 | $2837.83 | 10.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3960.13 | 1 | $8455.44 | $4109.04 | $704.62 | $342.42 |  |  |  |  |  | 49.977% | 49.977% | 49.977% | 04/19/2024 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Quontic Bank | $8340.00 |  | 7.190% | $101000.00 | 2 |  |  |  | Yes | No | 10.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $17434.32 | 4.000% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578176888 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27439.38 | $12142.60 |  | 7.954% | $9491.16 | $9491.16 | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18442.99 | 1 | $16858.20 | $3327.96 | $1404.85 | $277.33 |  |  |  |  |  | 44.981% | 44.981% | 44.981% | 02/20/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $27439.38 |  | 6.620% | $10000.00 | 1 |  |  |  | N/A | No | 7.875% | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $520678.59 | 34.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.01 |  | Yes | No |  | $0.00 | $9090.61 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568205483 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1701.82 | $1701.82 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $618.96 | $845.04 | $51.58 | $70.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | 03/01/2055 | $152590.40 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.84 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 550462140 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1032.56 | $1032.56 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1289.40 | $1755.96 | $107.45 | $146.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 04/01/2055 | $17867.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.46 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 551810685 |  |  |  | N/A |  |  |  | No | No | $52500.00 |  |  | 7.489% | $12236.25 | $12236.25 | 7.500% | No | No | Not Employed | Employed | Employed |  | 8.7 |  |  | US Citizen | US Citizen |  |  |  |  |  | $25629.62 | 1 | $7093.92 | $4961.04 | $591.16 | $413.42 |  |  |  |  |  | 46.415% | 46.415% | 46.415% | 02/14/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $52500.00 |  | 6.650% | $0.00 | 1.2 |  |  |  | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $978711.26 | 39.000% | 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 |  |  |  |  |  |  |  |  | 17.25 |  | No | No |  | $0.00 | $42766.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589981196 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1827.25 | $1827.25 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4110.96 | $1354.92 | $342.58 | $112.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/04/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 | $369890.13 | 92.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.27 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555349278 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2357.06 | $2357.06 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4171.92 | $552.96 | $347.66 | $46.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/11/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 04/01/2055 | $300106.67 | 50.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.67 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597246676 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4270.04 | $4270.04 | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $13437.48 | $1602.96 | $1119.79 | $133.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | 04/01/2055 | $647734.36 | 60.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 549695540 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2605.95 | $2605.95 | 7.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $9513.96 | $1178.88 | $792.83 | $98.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 808 | 801 | 826 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $193708.08 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 15.84 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 556367788 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17490.44 | $20044.56 |  | 6.755% | $9169.25 | $9169.25 | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $37796.89 | 1 | $37583.04 | $6766.92 | $3131.92 | $563.91 |  |  |  |  |  | 37.482% | 37.482% | 37.482% |  | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| 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: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17490.44 |  | 6.620% | $0.00 | 3.3 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $40000.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 58.36 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514443356 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4995.00 | $5804.89 |  | 7.292% | $1330.60 | $1330.60 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6699.99 | 1 | $4090.08 | $519.00 | $340.84 | $43.25 |  |  |  |  |  | 25.537% | 25.537% | 25.537% | 02/26/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | Arc | $4995.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $253102.78 | 69.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.78 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539715807 |  |  |  | Non QM |  |  |  | Yes | No | $26843.70 | $5766.11 |  | 8.930% | $8791.88 | $8791.88 | 8.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12617.05 | 1 | $11359.80 | $1970.88 | $946.65 | $164.24 |  |  |  |  |  | 49.936% | 49.936% | 49.936% | 03/03/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $26843.70 |  | 6.650% | $0.00 | 1.2 |  |  |  | N/A | No | 8.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $103264.67 |  | No | 26 | 26 |  |  | 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 | 11.16 |  |  | No |  | $0.00 | $8429.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568846252 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1760.86 | $1760.86 | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2053.68 | $811.56 | $171.14 | $67.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 133.44 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 522258549 |  |  |  | Non QM |  |  |  | Yes | No | $8620.00 | $9147.38 |  | 7.834% | $1992.76 | $1992.76 | 7.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6692.06 | 1 | $7238.16 | $3562.80 | $603.18 | $296.90 |  |  |  |  |  | 36.969% | 36.969% | 36.969% | 03/11/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8620.00 |  | 6.620% | $0.00 | 4.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 04/01/2055 | $894107.09 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 224.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544226718 |  |  |  | Non QM |  |  |  | Yes | No | $7544.55 | $4205.95 |  | 7.898% | $1468.65 | $1468.65 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3030.69 | 1 | $3018.24 | $1569.96 | $251.52 | $130.83 |  |  |  |  |  | 39.346% | 39.346% | 39.346% | 02/19/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [Borrower]; Transcripts (1040) - No Results Returned - 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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7544.55 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 13.90 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $73676.93 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 543611383 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2622.05 | $2622.05 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3621.12 | $1988.04 | $301.76 | $165.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2024 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.6 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555011177 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1516.96 | $1516.96 | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $6971.16 | $1071.00 | $580.93 | $89.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 100.86 | Broker |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561274562 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2217.19 | $2217.19 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4375.20 | $3574.44 | $364.60 | $297.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | 04/01/2055 | $52081.79 |  | 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 | 11.45 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 580931728 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13645.00 | $15278.44 |  | 7.824% | $5733.13 | $5733.13 | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9178.04 | 1 | $8961.60 | $3693.48 | $746.80 | $307.79 |  |  |  |  |  | 42.837% | 42.837% | 42.837% | 01/29/2025 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13645.00 |  | 6.650% | $0.00 | 4.6 |  |  |  | N/A | No | 7.625% | 3 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $854827.46 |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 133.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502886210 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2391.70 | $2391.70 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9726.60 | $5304.00 | $810.55 | $442.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/08/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.26 |  |  |  |  |  |  |  | 05/01/2055 | $108764.99 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.88 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 591203022 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10995.00 | $13857.82 |  | 7.493% | $3240.34 | $3240.34 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12801.64 | 1 | $15299.64 | $3639.00 | $1274.97 | $303.25 |  |  |  |  |  | 41.400% | 41.400% | 41.400% | 02/20/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10995.00 |  | 6.650% | $0.00 | 2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | No |  |  |  | 05/01/2055 | $1564802.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 260.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519955065 |  |  |  | Non QM |  |  |  | Yes | No | $16732.50 | $18195.43 |  | 6.633% | $6770.83 | $9319.66 | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $61755.25 | 1 | $9522.96 | $2486.04 | $793.58 | $207.17 |  |  |  |  |  | 20.855% | 17.588% | 20.855% |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 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 - 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 |  |  | Arc | $16732.50 |  | 6.650% | $0.00 | 2 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502992593 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19892.94 | $4036.51 |  | 7.943% | $5031.98 | $5031.98 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57313.24 | 1 | $6729.00 | $1946.04 | $560.75 | $162.17 |  |  |  |  |  | 22.520% | 22.520% | 22.520% | 03/19/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | Arc | $19892.94 |  | 6.650% | $0.00 | 3.2 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $7947.94 |  | 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 | 8.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578661855 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28207.18 | $14214.83 |  | 7.074% | $7479.66 | $7479.66 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $150012.70 | 1 | $18737.52 | $2785.92 | $1561.46 | $232.16 |  |  |  |  |  | 5.845% | 5.845% | 5.845% | 02/12/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 31.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| 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: 31.00% \| 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: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 31.00% \| 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: 31.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $28207.18 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $496285.41 | 33.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593639202 |  |  |  | Non QM |  |  |  | Yes | No | $18093.30 | $23272.64 |  | 7.069% | $4752.34 | $5449.22 | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $9032.87 | 1 | $12778.44 | $1234.92 | $1064.87 | $102.91 |  |  |  |  |  | 46.846% | 42.746% | 46.846% |  | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18093.30 |  | 6.650% | $27650.00 | 1.2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  | 360 | 05/01/2065 | $485581.92 | 44.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.09 |  |  | No |  | $0.00 | $12307.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535579538 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11215.00 | $12189.50 |  | 7.581% | $4475.57 | $4475.57 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10450.84 | 1 | $5959.68 | $1593.96 | $496.64 | $132.83 |  |  |  |  |  | 33.780% | 33.780% | 33.780% | 02/25/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | Arc | $11215.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $116070.55 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526689141 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12764.50 | $15765.76 |  | 7.620% | $3798.71 | $3798.71 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7748.02 | 1 | $6912.48 | $1410.96 | $576.04 | $117.58 |  |  |  |  |  | 45.034% | 45.034% | 45.034% | 03/12/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $12764.50 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 505605884 |  |  |  | Non QM |  |  |  | Yes | No | $1790.00 | $2563.36 |  | 8.198% | $2676.70 | $2676.70 | 8.125% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6253.04 | 1 | $3035.16 | $6041.40 | $252.93 | $503.45 |  |  |  |  |  | 44.737% | 44.737% | 44.737% | 11/21/2024 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2024<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Pension]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1790.00 |  | 6.690% | $0.00 | 1.2 |  |  |  | N/A | No | 8.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $35493.48 |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.34 | Retail |  | No |  | $0.00 | $4593.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584297579 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $2746.72 |  | 7.852% | $1596.17 | $1596.17 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10639.70 | 1 | $3046.56 | $903.96 | $253.88 | $75.33 |  |  |  |  |  | 35.106% | 35.106% | 35.106% | 02/19/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.850% | $0.00 | 1.8 |  |  |  | N/A | No | 7.750% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $80678.63 | 29.000% | No | 26 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.23 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 557043492 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $5727.97 |  | 7.070% | $4417.61 | $4417.61 | 7.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13938.81 | 1 | $10374.96 | $1541.04 | $864.58 | $128.42 |  |  |  |  |  | 31.464% | 31.464% | 31.464% | 03/06/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| 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: 99.00% \| 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: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 |  |  | Arc | $1695.00 |  | 6.620% | $2500.00 | 2.1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $77165.04 | 9.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 17.2 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594625941 |  |  |  | Non QM |  |  |  | Yes | No | $3429.28 | $5311.90 |  | 7.315% | $4611.51 | $4611.51 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23677.95 | 1 | $4671.84 | $2029.44 | $389.32 | $169.12 |  |  |  |  |  | 43.171% | 43.171% | 43.171% | 02/27/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| 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: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3429.28 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $185006.91 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.68 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558342742 |  |  |  | Non QM |  |  |  | Yes | No | $8737.00 | $9695.64 |  | 9.073% | $2577.23 | $2577.23 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18282.37 | 1 | $1645.44 | $2001.00 | $137.12 | $166.75 |  |  |  |  |  | 22.550% | 22.550% | 22.550% | 03/03/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2019 | [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 |  |  | Arc | $8737.00 |  | 6.650% | $2500.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $31751.74 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.29 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532378003 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1702.56 | $1702.56 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3353.04 | $2451.24 | $279.42 | $204.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 | $96045.17 | 34.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.35 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 567001547 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1822.41 | $1822.41 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9676.32 | $2391.60 | $806.36 | $199.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 | $56295.21 |  | 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 | 18.96 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 515866821 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1679.49 | $1679.49 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6119.40 | $2362.20 | $509.95 | $196.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | 04/01/2055 | $204718.84 | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.12 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555015356 |  |  |  | Non QM |  |  |  | Yes | No | $29017.00 | $34871.36 |  | 8.450% | $7430.91 | $7430.91 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $143423.19 | 1 | $20144.40 | $3660.24 | $1678.70 | $305.02 |  |  |  |  |  | 10.676% | 10.676% | 10.676% | 03/25/2025 | 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | Arc | $29017.00 |  | 6.660% | $0.00 | 1.7 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 575029161 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3632.82 | $3632.82 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $21826.56 | $1769.04 | $1818.88 | $147.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/13/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 30.7 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 597982657 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2694.87 | $2694.87 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6238.44 | $863.28 | $519.87 | $71.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $257498.30 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 508953897 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2065.12 | $2065.12 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1960.56 | $5475.96 | $163.38 | $456.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | 05/01/2055 | $103586.22 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 148.02 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563694700 |  |  |  | Non QM |  |  |  | Yes | No | $9742.50 | $12095.10 |  | 7.996% | $2176.47 | $2176.47 | 7.625% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8155.63 | 1 | $4036.44 | $8440.44 | $336.37 | $703.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [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 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $9742.50 |  | 6.650% | $500.00 | 4.3 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $1547246.08 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 376.12 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581845048 |  |  |  | Non QM |  |  |  | Yes | No | $10748.75 | $12696.75 |  | 6.959% | $2226.68 | $2226.68 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6696.66 | 1 | $3658.44 | $1699.20 | $304.87 | $141.60 |  |  |  |  |  | 44.381% | 44.381% | 44.381% | 03/20/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 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%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $10748.75 |  | 6.650% | $0.00 | 2 |  |  |  | N/A | No | 6.625% | 3 |  | 2 | 0 | 2 | 2 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $294762.98 | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588028000 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5487.98 | $5487.98 | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $11154.60 | $2952.96 | $929.55 | $246.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | 05/01/2040 | $753823.79 | 46.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.35 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525486785 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $870.25 | $870.25 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1614.96 | $750.00 | $134.58 | $62.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.28 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523534636 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24687.20 | $9629.55 |  | 7.299% | $8322.55 | $8322.55 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22488.36 | 1 | $19062.48 | $1917.12 | $1588.54 | $159.76 |  |  |  |  |  | 40.717% | 40.717% | 40.717% | 02/13/2025 | 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $24687.20 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $476256.21 | 31.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.45 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583682822 |  |  |  | Non QM |  |  |  | Yes | No | $4328.75 | $5389.51 |  | 7.586% | $1028.38 | $1028.38 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4783.60 | 1 | $1476.48 | $2583.24 | $123.04 | $215.27 |  |  |  |  |  | 38.779% | 38.779% | 38.779% | 03/14/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $4328.75 |  | 6.650% | $2500.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $290494.07 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 123.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513599865 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2027.84 | $2027.84 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5700.00 | $643.56 | $475.00 | $53.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/22/2024 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | 05/01/2054 | $31517.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 593392387 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2052.20 | $2052.20 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4110.24 | $1076.16 | $342.52 | $89.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.16 |  |  |  |  |  |  |  | 07/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.18 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 569969242 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1330.13 | $1330.13 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6892.92 | $2042.04 | $574.41 | $170.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/19/2024 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.7 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | 07/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.38 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 554712217 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6519.35 | $6519.35 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $19942.80 | $2772.00 | $1661.90 | $231.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2024 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.28 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551161178 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3156.64 | $3156.64 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4271.28 | $535.08 | $355.94 | $44.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2024 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 08/01/2054 | $178425.10 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.81 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 580879821 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1468.35 | $1468.35 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10581.96 | $2694.96 | $881.83 | $224.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2024 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | 08/01/2054 | $173010.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.13 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 575257751 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1647.62 | $1647.62 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7606.32 | $2454.96 | $633.86 | $204.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2024 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.77 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569413868 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3380.70 | $3380.70 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $6125.28 | $5363.04 | $510.44 | $446.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2024 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 08/01/2054 |  |  | 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 | 59.31 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 539680092 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $925.51 | $925.51 | 9.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1755.00 | $650.04 | $146.25 | $54.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2024 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 07/01/2054 | $44031.81 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.97 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 506097908 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $929.20 | $929.20 | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5100.00 | $1136.28 | $425.00 | $94.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2024 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 08/01/2064 | $166531.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 141.44 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 556910054 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1387.68 | $1387.68 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4521.60 | $1704.96 | $376.80 | $142.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | 08/01/2054 | $164341.66 | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.68 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560498067 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3834.96 | $3834.96 | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $8747.16 | $2201.04 | $728.93 | $183.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2024 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.58 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 534351566 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $973.15 | $973.15 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $989.40 | $441.96 | $82.45 | $36.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2024 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 08/01/2054 |  |  | 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 | 43.13 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 507528278 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1722.51 | $1722.51 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4670.88 | $1603.20 | $389.24 | $133.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2024 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 08/01/2054 | $230310.86 | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.09 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 573253404 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2221.19 | $2221.19 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4489.56 | $1455.96 | $374.13 | $121.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2024 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.27 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 535884204 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1458.06 | $1458.06 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5239.32 | $2472.00 | $436.61 | $206.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2024 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | 08/01/2054 |  |  | 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 | 86.71 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 589027262 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $769.73 | $769.73 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $360.96 | $4384.56 | $30.08 | $365.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 85.19 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 561523826 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1320.95 | $1320.95 | 9.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $3333.24 | $1402.32 | $277.77 | $116.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 07/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.63 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 572595572 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4874.90 | $4874.90 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $14341.44 | $2118.60 | $1195.12 | $176.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2024 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 08/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.42 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569119837 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1302.52 | $1302.52 | 9.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2469.84 | $1929.72 | $205.82 | $160.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/26/2024 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.01 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551536181 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $727.88 | $727.88 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $409.20 | $573.00 | $34.10 | $47.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2024 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 09/01/2054 | $1000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 137.56 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503574469 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3838.71 | $3838.71 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $13104.96 | $3065.04 | $1092.08 | $255.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2024 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.31 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 524509263 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2246.85 | $2246.85 | 9.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2049.24 | $1884.96 | $170.77 | $157.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/28/2024 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.23 |  |  |  |  |  |  |  | 09/01/2054 | $73043.32 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.19 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532231753 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $694.56 | $694.56 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1971.96 | $1145.04 | $164.33 | $95.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2024 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 09/01/2064 | $243227.86 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 |  |  |  |  |  |  |  |  |  |  |  |  | 268.58 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 518926155 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1903.06 | $1903.06 | 8.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3720.84 | $1274.04 | $310.07 | $106.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2024 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 54.4 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530805399 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2387.62 | $2387.62 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3696.36 | $1653.00 | $308.03 | $137.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2024 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 09/01/2054 | $256312.59 | 43.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 516134120 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3848.63 | $3848.63 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | $14786.64 | $5274.72 | $1232.22 | $439.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2024 | 777 | 797 | 791 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 09/01/2054 | $266022.80 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 14.77 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599444590 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1587.03 | $1587.03 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2897.04 | $1511.40 | $241.42 | $125.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2024 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 09/01/2054 | $30130.09 | 12.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.87 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 579152515 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1957.51 | $1957.51 | 9.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3517.32 | $801.96 | $293.11 | $66.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | 09/01/2054 | $147711.13 | 51.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.72 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 541255298 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2118.62 | $2118.62 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3674.76 | $2778.96 | $306.23 | $231.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/10/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | 09/01/2054 |  |  | 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 | 60.83 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593594826 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1347.74 | $1347.74 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2646.96 | $864.96 | $220.58 | $72.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 10/01/2054 | $139180.23 | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.45 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 525755769 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1061.69 | $1061.69 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4031.52 | $1351.32 | $335.96 | $112.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2024 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | 08/01/2054 | $3812.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.24 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555049235 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1990.67 | $1990.67 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4160.04 | $1458.00 | $346.67 | $121.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2024 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 09/01/2054 | $172941.65 | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.3 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588522167 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1896.11 | $1896.11 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7288.56 | $2170.44 | $607.38 | $180.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 10/01/2054 | $44314.57 | 12.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.12 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 588167657 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2520.96 | $2520.96 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $15836.16 | $2073.96 | $1319.68 | $172.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2024 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 10/01/2054 | $473147.78 | 71.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.88 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 577357918 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $898.01 | $898.01 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2837.04 | $3296.28 | $236.42 | $274.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | 09/01/2054 | $207629.70 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.08 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 594775534 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3155.32 | $3155.32 | 8.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $10708.08 | $2328.96 | $892.34 | $194.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | 09/01/2054 | $323805.98 | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.41 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 539047487 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3070.05 | $3070.05 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6343.92 | $7388.04 | $528.66 | $615.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2024 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.73 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500277473 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2309.35 | $2309.35 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $13371.84 | $3005.04 | $1114.32 | $250.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2024 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 10/01/2054 | $182932.34 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.86 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 558045095 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1859.91 | $1859.91 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2970.60 | $2933.04 | $247.55 | $244.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2024 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | 10/01/2054 | $450338.41 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.7 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 558953635 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $895.69 | $895.69 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1856.76 | $1245.00 | $154.73 | $103.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/12/2024 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | 10/01/2054 | $2192.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.59 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 568032139 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1377.33 | $1377.33 | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4828.44 | $930.00 | $402.37 | $77.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2024 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.51 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 539487858 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2270.09 | $2270.09 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12278.28 | $4444.56 | $1023.19 | $370.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.56 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.13 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580399472 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1248.05 | $1248.05 | 7.990% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $3147.72 | $1887.00 | $262.31 | $157.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2024 | 797 | 805 | 828 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 94.16 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 516393751 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1842.91 | $1842.91 | 9.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $3387.84 | $4175.04 | $282.32 | $347.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/19/2024 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | 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 | 39.72 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599265654 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1186.93 | $1186.93 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2547.00 | $1484.04 | $212.25 | $123.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2024 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | 10/01/2054 | $161935.65 | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.9 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527452569 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1887.88 | $1887.88 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $3004.08 | $1659.00 | $250.34 | $138.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | 10/01/2054 | $176898.26 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.27 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 588692859 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1403.01 | $1403.01 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $908.16 | $1031.04 | $75.68 | $85.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | 09/01/2054 | $385145.88 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 155.37 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533530800 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1378.29 | $1378.29 | 9.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2204.04 | $2145.12 | $183.67 | $178.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | 09/01/2054 | $342037.71 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 148.08 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 565610282 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1099.60 | $1099.60 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1234.68 | $1575.72 | $102.89 | $131.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/16/2024 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | 10/01/2054 | $7809.34 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.78 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564939144 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2435.80 | $2435.80 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5163.72 | $2577.96 | $430.31 | $214.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.4 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544810776 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1789.74 | $1789.74 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $3540.84 | $3577.44 | $295.07 | $298.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2024 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | 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 | 22.87 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 530453062 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1182.08 | $1182.08 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $857.04 | $1044.96 | $71.42 | $87.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | 09/01/2054 | $349352.20 | 96.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 106.19 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577186037 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1493.56 | $1493.56 | 9.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1523.04 | $3403.20 | $126.92 | $283.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 09/01/2054 | $350977.09 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 138.88 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 560910014 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2208.80 | $2208.80 | 7.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $5251.68 | $2451.00 | $437.64 | $204.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | 10/01/2054 |  |  | 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 | 107.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 541051211 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1451.91 | $1451.91 | 8.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5259.84 | $1762.32 | $438.32 | $146.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 85.36 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 557323646 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1482.98 | $1482.98 | 8.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3750.96 | $651.00 | $312.58 | $54.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/23/2024 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 11/01/2064 | $37516.03 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 591839359 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4419.04 | $4419.04 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4286.40 | $1854.96 | $357.20 | $154.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2024 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 10/01/2054 | $204580.62 | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.35 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 560719428 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $989.64 | $989.64 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1985.52 | $639.96 | $165.46 | $53.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2024 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.23 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595394951 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2993.05 | $2993.05 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2112.48 | $1356.12 | $176.04 | $113.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2024 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.03 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 517531582 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2861.62 | $2861.62 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2670.24 | $1814.16 | $222.52 | $151.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2024 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 10/01/2054 |  |  | 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 | 51.54 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 506979233 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2827.70 | $2827.70 | 9.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4650.84 | $3171.00 | $387.57 | $264.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2024 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 11/01/2054 | $1909894.39 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 525.67 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 539700235 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $973.95 | $1290.12 | 11.247% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4300.20 | $497.04 | $358.35 | $41.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 11.247% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | 10/01/2054 | $73769.84 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.43 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 572770560 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1896.26 | $1896.26 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3530.04 | $1706.04 | $294.17 | $142.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2024 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 11/01/2054 | $128655.74 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.35 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521294657 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1103.27 | $1103.27 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1806.00 | $874.08 | $150.50 | $72.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.8 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 540131747 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3729.59 | $3729.59 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4240.56 | $3557.04 | $353.38 | $296.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/01/2024 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.63 |  |  |  |  |  |  |  | 11/01/2054 | $449873.17 | 72.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.85 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 520333237 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1757.27 | $1757.27 | 8.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2712.96 | $2534.04 | $226.08 | $211.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 94.43 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 590045271 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1181.12 | $1181.12 | 8.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1543.68 | $1665.96 | $128.64 | $138.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 94.06 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556053197 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2029.89 | $2029.89 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5274.96 | $2195.16 | $439.58 | $182.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2024 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 11/01/2054 | $157895.45 | 37.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.06 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555659754 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1924.85 | $1924.85 | 8.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5274.84 | $2007.96 | $439.57 | $167.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 85.23 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539000228 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2188.31 | $2188.31 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3687.96 | $2072.04 | $307.33 | $172.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2024 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 12/01/2054 | $353155.41 | 78.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 81.28 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 566563032 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $866.76 | $866.76 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2004.72 | $726.96 | $167.06 | $60.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2024 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 12/01/2054 | $14619.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.02 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 599653057 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $793.27 | $793.27 | 8.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2435.04 | $526.08 | $202.92 | $43.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2024 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 11/01/2054 | $274758.37 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112.53 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 572525171 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $844.11 | $844.11 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3099.00 | $1312.92 | $258.25 | $109.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2024 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 11/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.51 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 507254988 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $773.65 | $773.65 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2428.80 | $1608.12 | $202.40 | $134.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2024 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.13 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 522088053 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1447.03 | $1447.03 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1576.44 | $1659.96 | $131.37 | $138.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2024 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 12/01/2054 | $67997.86 | 30.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.37 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555609012 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1503.63 | $1503.63 | 8.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2986.56 | $1308.96 | $248.88 | $109.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/22/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.72 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 580250804 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1872.18 | $1872.18 | 8.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3960.60 | $1299.96 | $330.05 | $108.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 8.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | 11/01/2054 | $61868.81 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.78 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518698818 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1332.28 | $1332.28 | 6.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3710.04 | $1272.12 | $309.17 | $106.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2024 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.68 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 581439422 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $792.57 | $792.57 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2562.84 | $657.00 | $213.57 | $54.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/11/2024 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 30.33 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 549150052 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1135.34 | $1135.34 | 9.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $1659.48 | $2495.04 | $138.29 | $207.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/21/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | 10/01/2054 |  |  | 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 | 83.97 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567895098 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2242.28 | $2242.28 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11902.56 | $2009.04 | $991.88 | $167.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2024 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 9.67 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 565728928 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1985.17 | $1985.17 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $3063.60 | $2193.96 | $255.30 | $182.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2024 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.52 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.44 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521517616 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2367.75 | $2367.75 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $3892.20 | $2106.96 | $324.35 | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2024 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | 11/01/2054 |  |  | 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 | 61.76 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545421751 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1174.20 | $1174.20 | 8.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1835.04 | $1474.20 | $152.92 | $122.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2024 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.12 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 552174761 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4527.49 | $4527.49 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5005.44 | $3317.16 | $417.12 | $276.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/20/2024 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | 12/01/2054 | $424336.27 | 48.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.91 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 502957932 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2553.59 | $2553.59 | 6.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5169.00 | $2731.56 | $430.75 | $227.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2024 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 12/01/2054 | $154200.81 | 29.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.37 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 575767163 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $593.94 | $593.94 | 8.124% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $952.08 | $1439.16 | $79.34 | $119.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/27/2024 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | 11/01/2054 | $11767.03 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.83 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 536059974 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1605.42 | $1605.42 | 7.990% | No | No |  |  |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $6055.80 | $3348.00 | $504.65 | $279.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2024 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | 12/01/2054 | $37058.64 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.46 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 552032921 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1709.16 | $1709.16 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5125.68 | $1841.88 | $427.14 | $153.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | 12/01/2054 | $186572.33 | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.4 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530671011 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1106.61 | $1106.61 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7611.72 | $1152.00 | $634.31 | $96.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2024 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 11/01/2054 | $213897.17 | 77.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.74 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 547942153 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1448.07 | $1448.07 | 8.490% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2968.08 | $1236.12 | $247.34 | $103.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2024 | 750 | 779 | 785 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 8.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | 12/01/2054 | $453520.57 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 172.71 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 533318426 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1790.52 | $1790.52 | 6.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4701.48 | $603.00 | $391.79 | $50.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | CMS |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 12/01/2064 | $170606.42 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.74 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 544333879 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1036.82 | $1036.82 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3426.84 | $2508.00 | $285.57 | $209.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.88 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 544851658 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1375.38 | $1375.38 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2406.72 | $1028.04 | $200.56 | $85.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 12/01/2054 | $27604.72 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.85 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 545108221 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3922.43 | $3922.43 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9661.20 | $802.08 | $805.10 | $66.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/20/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.21 |  |  |  |  |  |  |  | 12/01/2054 | $1112398.13 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 155.62 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 532521318 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1448.35 | $1448.35 | 7.124% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9328.44 | $4527.96 | $777.37 | $377.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/29/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 553966257 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2019.22 | $2019.22 | 8.249% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5710.08 | $1602.00 | $475.84 | $133.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2024 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.9 |  |  |  | Yes | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 12/01/2054 | $144667.56 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.33 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 506565852 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1286.67 | $1286.67 | 7.124% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2115.36 | $2843.04 | $176.28 | $236.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.23 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 502009648 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2033.82 | $2033.82 | 8.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4011.00 | $1566.96 | $334.25 | $130.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2024 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 12/01/2054 |  |  | 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 | 12.76 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 548430551 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2532.30 | $2532.30 | 8.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8466.84 | $1278.96 | $705.57 | $106.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | 01/01/2055 | $25800.41 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.28 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580202652 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1152.44 | $1152.44 | 6.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2724.72 | $1014.96 | $227.06 | $84.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/21/2024 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 12/01/2054 | $81087.12 | 34.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.13 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525806826 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1900.55 | $1900.55 | 6.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $3949.08 | $2680.56 | $329.09 | $223.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2024 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.52 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 115.61 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 521786380 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2404.46 | $2404.46 | 7.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | $4175.64 | $1309.32 | $347.97 | $109.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2024 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 01/01/2055 | $743847.32 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 229.35 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 537218828 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2986.22 | $2986.22 | 7.490% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5030.16 | $1727.04 | $419.18 | $143.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2024 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 01/01/2055 | $193769.04 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.4 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 554556432 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1268.50 | $1268.50 | 9.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2913.24 | $1205.04 | $242.77 | $100.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2024 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.31 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 582109239 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3115.48 | $3115.48 | 7.749% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2185.68 | $1512.84 | $182.14 | $126.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2024 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 01/01/2055 | $33509.95 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.21 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 546198269 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1447.23 | $1447.23 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2407.32 | $2095.68 | $200.61 | $174.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2024 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 01/01/2055 | $148421.47 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.68 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 545988432 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1795.58 | $1795.58 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3827.64 | $4734.96 | $318.97 | $394.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.33 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591646474 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $691.66 | $691.66 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $465.96 | $1617.96 | $38.83 | $134.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2024 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 3.9 |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | 01/01/2055 | $14600.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.87 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 565254397 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2577.74 | $2577.74 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9909.48 | $3540.00 | $825.79 | $295.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2024 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | 01/01/2055 | $245291.38 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.92 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 546883870 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1795.58 | $1795.58 | 7.374% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3819.84 | $4370.16 | $318.32 | $364.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.21 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 504629974 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1182.07 | $1182.07 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4837.56 | $2578.32 | $403.13 | $214.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2024 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | 01/01/2055 | $70822.44 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.75 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583357383 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5815.52 | $5815.52 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11797.92 | $8157.84 | $983.16 | $679.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2024 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | 01/01/2055 | $539520.58 | 43.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.14 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565880779 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $969.31 | $969.31 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $2965.20 | $1196.04 | $247.10 | $99.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2024 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 01/01/2065 | $72615.75 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.4 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 507167213 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2238.44 | $2238.44 | 7.874% | No | No |  |  |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $6010.56 | $990.96 | $500.88 | $82.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2024 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.8 |  |  |  | No | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | 01/01/2055 |  |  | 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 | 44.51 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 516850059 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $832.75 | $832.75 | 7.749% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3716.40 | $2001.00 | $309.70 | $166.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/11/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.82 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 564829419 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1762.04 | $1762.04 | 8.749% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4200.00 | $1464.00 | $350.00 | $122.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/30/2024 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 01/01/2055 | $38936.49 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.7 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546062765 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5838.73 | $5838.73 | 7.624% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $8754.60 | $5066.04 | $729.55 | $422.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2024 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | 01/01/2055 | $423591.31 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 578763458 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3265.76 | $3265.76 | 7.874% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11216.52 | $1644.96 | $934.71 | $137.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2024 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 01/01/2055 | $364470.21 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.59 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 549601589 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2005.40 | $2005.40 | 7.249% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $8227.08 | $4597.44 | $685.59 | $383.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2024 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.44 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 586716306 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2778.81 | $2778.81 | 7.124% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7247.28 | $3493.20 | $603.94 | $291.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2024 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 531540916 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1730.06 | $1730.06 | 8.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2305.44 | $600.00 | $192.12 | $50.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/05/2023 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | Carrington |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 12/01/2053 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 104.06 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 588001114 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1283.35 | $1283.35 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2001.84 | $2747.16 | $166.82 | $228.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/02/2024 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 05/01/2054 |  |  | 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 | 30.28 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 599654256 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $879.68 | $879.68 | 7.990% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $832.68 | $685.20 | $69.39 | $57.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2024 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | 06/01/2054 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112.28 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 507673995 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2686.45 | $2686.45 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2757.72 | $5296.20 | $229.81 | $441.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2024 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 06/01/2054 | $265823.92 | 57.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.99 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 504128784 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1326.38 | $1326.38 | 8.500% | No | No |  |  |  |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $6978.24 | $483.96 | $581.52 | $40.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2024 | 689 | 741 | 725 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 06/01/2054 | $50564.30 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 3.43 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 537121171 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2661.43 | $2661.43 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6403.20 | $2996.04 | $533.60 | $249.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2024 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | 07/01/2054 | $125899.34 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 523893491 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2637.37 | $2637.37 | 8.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9169.56 | $942.96 | $764.13 | $78.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2024 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | CMS |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | 07/01/2054 | $168646.17 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.1 | Broker |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 538493259 |  |  |  | Non QM |  |  |  | Yes | No | $6340.50 | $7568.08 |  | 7.068% | $1008.49 | $1008.49 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19986.00 | 1 | $1814.04 | $1612.08 | $151.17 | $134.34 |  |  |  |  |  | 17.573% | 17.573% | 17.573% | 05/04/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $6340.50 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2052 |  |  |  |  |  |  |  |  | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533621247 |  |  |  | Non QM |  |  |  | Yes | No | $15671.77 | $19412.42 |  | 8.241% | $5075.03 | $5075.03 | 7.990% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12283.07 | 1 | $8471.40 | $5919.00 | $705.95 | $493.25 |  |  |  |  |  | 42.580% | 42.580% | 42.580% | 02/26/2024 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; CPA Letter - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $15671.77 |  | 6.880% | $0.00 | 1.1 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2054 | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 30.15 |  |  | No |  | $10481.95 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545854264 |  |  |  | Non QM |  |  |  | Yes | No | $9350.00 | $13940.51 |  | 7.858% | $2237.44 | $2237.44 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3513.63 | 1 | $10578.48 | $1596.00 | $881.54 | $133.00 |  |  |  |  |  | 48.771% | 48.771% | 48.771% | 04/04/2024 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9350.00 |  | 7.190% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 06/01/2064 | $87541.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 544060803 |  |  |  | Non QM |  |  |  | Yes | No | $11771.38 | $12265.38 |  | 7.790% | $3094.02 | $3094.02 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3613.67 | 1 | $5775.72 | $5272.08 | $481.31 | $439.34 |  |  |  |  |  | 56.072% | 56.072% | 56.072% | 01/04/2023 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ? | $11771.38 |  | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2053 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 586381696 |  |  |  | Non QM |  |  |  | Yes | No | $12900.00 | $15984.88 |  | 9.896% | $5099.94 | $5099.94 | 9.625% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7057.85 | 1 | $8716.56 | $2172.84 | $726.38 | $181.07 |  |  |  |  |  | 49.335% | 49.335% | 49.335% | 11/02/2023 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | Carrington | $12900.00 |  | 7.840% | $10000.00 | 1.9 |  |  |  | N/A | No | 9.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2053 | $219954.35 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.37 |  |  | No |  | $2589.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555235722 |  |  |  | Non QM |  |  |  | Yes | No | $6001.12 | $6365.17 |  | 9.226% | $1581.74 | $1581.74 | 8.875% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3553.70 | 1 | $3807.96 | $1566.72 | $317.33 | $130.56 |  |  |  |  |  | 47.293% | 47.293% | 47.293% | 02/05/2024 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2023<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 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 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  | CMS | $6001.12 |  | 6.820% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2054 | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 7.13 |  | No | No |  | $0.00 | $4333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555128687 |  |  |  | Non QM |  |  |  | Yes | No | $3710.00 | $4271.47 |  | 7.817% | $690.68 | $690.68 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2518.22 | 1 | $3006.00 | $1272.96 | $250.50 | $106.08 |  |  |  |  |  | 42.236% | 42.236% | 42.236% | 04/03/2024 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3710.00 |  | 7.220% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 2 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 06/01/2054 | $7276.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535096161 |  |  |  | Non QM |  |  |  | Yes | No | $8930.00 | $1642.36 |  | 9.308% | $2402.21 | $2402.21 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4311.68 | 1 | $1841.16 | $3209.52 | $153.43 | $267.46 |  |  |  |  |  | 43.673% | 43.673% | 43.673% | 05/03/2024 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<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]; 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]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8930.00 |  | 7.220% | $0.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2054 | $0.00 |  | 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 | 84.29 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520324277 |  |  |  | Non QM |  |  |  | Yes | No | $6046.14 | $7525.84 |  | 9.884% | $1754.02 | $1754.02 | 9.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6927.26 | 1 | $3204.96 | $3524.04 | $267.08 | $293.67 |  |  |  |  |  | 30.728% | 30.728% | 30.728% | 05/03/2024 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6046.14 |  | 6.940% | $0.00 | 2.4 |  |  |  | Yes | No | 9.500% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 |  |  | No | 28 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596876526 |  |  |  | Non QM |  |  |  | Yes | No | $16460.00 | $19600.22 |  | 8.412% | $3375.32 | $3375.32 | 8.000% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46299.76 | 1 | $16075.56 | $5814.00 | $1339.63 | $484.50 |  |  |  |  |  | 25.576% | 25.576% | 25.576% | 05/13/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16460.00 |  | 6.960% | $0.00 | 1.2 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 07/01/2054 | $3774056.32 |  | 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 | 778.01 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525702063 |  |  |  | Non QM |  |  |  | Yes | No | $65250.00 | $71972.48 |  | 8.505% | $21786.73 | $21786.73 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26776.66 | 1 | $5690.04 | $1315.32 | $474.17 | $109.61 |  |  |  |  |  | 48.045% | 48.045% | 48.045% | 05/23/2024 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $65250.00 |  | 7.080% | $0.00 | 3.5 |  |  |  | No | No | 8.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $2526666.68 | 48.000% | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559286059 |  |  |  | Non QM |  |  |  | Yes | No | $11100.00 | $12286.52 |  | 8.127% | $3625.35 | $3625.35 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7772.02 | 1 | $7385.16 | $1938.96 | $615.43 | $161.58 |  |  |  |  |  | 42.808% | 42.808% | 42.808% | 06/20/2024 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11100.00 |  | 7.220% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $45600.66 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 10.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 505416737 |  |  |  | Non QM |  |  |  | Yes | No | $13150.00 | $15800.68 |  | 8.158% | $7190.89 | $7190.89 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9623.33 | 3 | $12289.80 | $2183.52 | $1024.15 | $181.96 |  |  |  |  |  | 47.887% | 47.887% | 47.887% | 06/05/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13150.00 |  | 6.950% | $0.00 |  |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 |  |  | 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 | 50.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551235996 |  |  |  | Non QM |  |  |  | Yes | No | $14512.50 | $16781.34 |  | 8.232% | $3589.09 | $3589.09 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12962.20 | 1 | $9474.00 | $1053.00 | $789.50 | $87.75 |  |  |  |  |  | 38.707% | 38.707% | 38.707% | 05/08/2024 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14512.50 |  | 7.080% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559977576 |  |  |  | Non QM |  |  |  | Yes | No | $4746.71 | $4189.36 |  | 7.207% | $1318.96 | $1318.96 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4281.01 | 1 | $2298.00 | $1895.04 | $191.50 | $157.92 |  |  |  |  |  | 41.303% | 41.303% | 41.303% | 04/04/2024 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $4746.71 |  | 6.950% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560366770 |  |  |  | N/A |  |  |  | No | No | $11562.32 | $15530.42 |  | 8.734% | $2394.66 | $2394.66 | 8.250% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7942.64 | 1 | $13214.16 | $1836.96 | $1101.18 | $153.08 |  |  |  |  |  | 36.829% | 36.829% | 36.829% | 04/30/2024 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11562.32 |  | 7.050% | $0.00 | 3.4 |  |  |  | No | No | 8.250% | 0 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $130427.41 | 31.000% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.02 |  | No | No |  | $0.00 | $8796.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550655922 |  |  |  | Non QM |  |  |  | Yes | No | $26333.16 | $8735.26 |  | 9.024% | $5235.34 | $5235.34 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $256869.82 | 1 | $14228.76 | $5820.84 | $1185.73 | $485.07 |  |  |  |  |  | 4.507% | 4.507% | 4.507% | 05/07/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2018 | [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 |  |  | CMS | $26333.16 |  | 6.950% | $0.00 | 3.3 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $305301.17 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.05 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521248415 |  |  |  | Non QM |  |  |  | Yes | No | $5905.00 | $7676.81 |  | 8.911% | $1399.42 | $1399.42 | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4154.45 | 1 | $3900.00 | $1212.96 | $325.00 | $101.08 |  |  |  |  |  | 40.872% | 40.872% | 40.872% | 04/17/2024 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5905.00 |  | 6.860% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 1 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $110915.90 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.06 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537297820 |  |  |  | Non QM |  |  |  | Yes | No | $14430.00 | $18443.59 |  | 7.827% | $3440.14 | $3440.14 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11740.19 | 1 | $9583.08 | $879.96 | $798.59 | $73.33 |  |  |  |  |  | 27.022% | 27.022% | 27.022% | 05/10/2024 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2004 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14430.00 |  | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $178533.15 | 29.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.98 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551702033 |  |  |  | Non QM |  |  |  | Yes | No | $18500.00 | $23950.85 |  | 7.877% | $6228.58 | $6228.58 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9979.28 | 2 | $5119.68 | $1548.96 | $426.64 | $129.08 |  |  |  |  |  | 45.691% | 45.691% | 45.691% | 06/13/2024 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18500.00 |  | 6.990% | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $283189.96 | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 549587930 |  |  |  | Non QM |  |  |  | Yes | No | $11650.00 | $15327.00 |  | 7.576% | $2933.36 | $2933.36 | 7.250% | No | Yes | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11737.71 | 1 | $7857.60 | $1387.68 | $654.80 | $115.64 |  |  |  |  |  | 40.247% | 40.247% | 40.247% | 04/15/2024 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11650.00 |  | 6.950% | $0.00 | 1.1 |  |  |  | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $465220.96 | 56.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.73 |  | No | No |  | $13601.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506121336 |  |  |  | Non QM |  |  |  | Yes | No | $14635.01 | $9344.96 |  | 8.314% | $3147.59 | $3147.59 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $28905.07 | 1 | $4899.84 | $1589.28 | $408.32 | $132.44 |  |  |  |  |  | 11.692% | 11.692% | 11.692% | 06/10/2024 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $14635.01 |  | 6.940% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $7831.22 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 545222922 |  |  |  | Non QM |  |  |  | Yes | No | $8220.00 | $11544.24 |  | 7.700% | $3412.17 | $3412.17 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9262.08 | 1 | $5784.00 | $1684.20 | $482.00 | $140.35 |  |  |  |  |  | 38.477% | 38.477% | 38.477% | 06/28/2024 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 67.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| 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: 67.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 67.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $8220.00 |  | 6.860% | $2000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $177868.45 | 29.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519266996 |  |  |  | Non QM |  |  |  | Yes | No | $10030.00 | $10994.00 |  | 7.996% | $3381.47 | $3381.47 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8545.84 | 1 | $15225.84 | $2259.96 | $1268.82 | $188.33 |  |  |  |  |  | 40.394% | 40.394% | 40.394% | 05/20/2024 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10030.00 |  | 6.930% | $39900.00 | 2.5 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $51559.00 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.24 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548676663 |  |  |  | Non QM |  |  |  | Yes | No | $6078.80 | $6167.05 |  | 8.880% | $1245.64 | $1245.64 | 8.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3711.50 | 1 | $8348.28 | $1554.00 | $695.69 | $129.50 |  |  |  |  |  | 37.709% | 37.709% | 37.709% | 05/02/2024 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2001 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $6078.80 |  | 6.860% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $6877.03 |  | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539287427 |  |  |  | Non QM |  |  |  | Yes | No | $9283.25 | $9347.58 |  | 9.052% | $1615.19 | $1615.19 | 8.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4174.86 | 1 | $1134.24 | $7239.00 | $94.52 | $603.25 |  |  |  |  |  | 49.790% | 49.790% | 49.790% | 05/06/2024 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | CMS | $9283.25 |  | 6.990% | $0.00 |  |  |  |  | N/A | No | 8.625% | 3 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2064 | $8993.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561692773 |  |  |  | Non QM |  |  |  | Yes | No | $2435.00 | $4037.44 |  | 7.411% | $665.30 | $665.30 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1852.36 | 1 | $836.04 | $1467.60 | $69.67 | $122.30 |  |  |  |  |  | 49.273% | 49.273% | 49.273% | 06/11/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2435.00 |  | 6.900% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $138304.93 | 95.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573533544 |  |  |  | Non QM |  |  |  | Yes | No | $19070.00 | $2019.22 |  | 8.648% | $5506.75 | $5506.75 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9931.88 | 2 | $2100.36 | $1408.08 | $175.03 | $117.34 |  |  |  |  |  | 40.374% | 40.374% | 40.374% | 05/04/2024 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19070.00 |  | 6.950% | $10313.64 |  |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $133718.58 | 15.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 511206940 |  |  |  | Non QM |  |  |  | Yes | No | $9049.00 | $18781.70 |  | 8.673% | $6343.54 | $6343.54 | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36629.74 | 1 | $4729.80 | $1413.00 | $394.15 | $117.75 |  |  |  |  |  | 24.742% | 24.742% | 24.742% | 05/20/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9049.00 |  | 6.760% | $0.00 | 1.8 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556965668 |  |  |  | Non QM |  |  |  | Yes | No | $6900.00 | $10637.70 |  | 7.906% | $2791.54 | $2791.54 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4943.23 | 1 | $4622.52 | $1930.80 | $385.21 | $160.90 |  |  |  |  |  | 44.712% | 44.712% | 44.712% | 06/24/2024 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 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]; CPA Letter - 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]; Other - 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]; Other - 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]; Other - 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]; Third Party Verification - 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]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6900.00 |  | 6.760% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $148034.60 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598398989 |  |  |  | Non QM |  |  |  | Yes | No | $11198.75 | $14640.86 |  | 7.350% | $2491.56 | $2491.56 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4298.72 | 1 | $13353.36 | $2588.04 | $1112.78 | $215.67 |  |  |  |  |  | 47.675% | 47.675% | 47.675% | 07/08/2024 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11198.75 |  | 6.760% | $7500.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $224873.57 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502556030 |  |  |  | Non QM |  |  |  | Yes | No | $11500.00 | $5609.65 |  | 8.328% | $3185.37 | $3185.37 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26526.44 | 1 | $9419.16 | $1160.04 | $784.93 | $96.67 |  |  |  |  |  | 15.846% | 15.846% | 15.846% | 07/11/2024 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11500.00 |  | 6.760% | $142000.00 | 1.8 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $5600.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501345788 |  |  |  | Non QM |  |  |  | Yes | No | $5385.34 | $7423.45 |  | 7.271% | $1834.90 | $1834.90 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5539.81 | 1 | $2624.52 | $3585.72 | $218.71 | $298.81 |  |  |  |  |  | 48.071% | 48.071% | 48.071% | 04/29/2024 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5385.34 |  | 6.860% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 08/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570046981 |  |  |  | Non QM |  |  |  | Yes | No | $2187.00 | $3600.00 |  | 9.181% | $1448.32 | $1448.32 | 9.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3663.87 | 1 | $1422.60 | $840.00 | $118.55 | $70.00 |  |  |  |  |  | 48.666% | 48.666% | 48.666% | 06/27/2024 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 4 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2187.00 |  | 6.800% | $0.00 | 2.6 |  |  |  | Yes | No | 9.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.82 |  |  | No |  | $0.00 | $4160.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560116691 |  |  |  | Non QM |  |  |  | Yes | No | $8050.00 | $9145.49 |  | 8.374% | $1907.79 | $1907.79 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5652.17 | 1 | $5745.84 | $1080.00 | $478.82 | $90.00 |  |  |  |  |  | 42.785% | 42.785% | 42.785% | 04/15/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.00000% \| 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: 52.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 52.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8050.00 |  | 6.930% | $18000.00 | 1.7 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2054 | $22507.23 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504320645 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $1643.16 |  | 7.896% | $2583.06 | $2583.06 | 7.875% | No | Yes | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10135.47 | 2 | $3426.72 | $2846.04 | $285.56 | $237.17 |  |  |  |  |  | 45.805% | 45.805% | 45.805% | 07/08/2024 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS |  |  | 6.900% | $123824.82 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 09/01/2054 | $1050286.78 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 337.9 |  | No | No |  | $17183.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 532039336 |  |  |  | Non QM |  |  |  | Yes | No | $3759.08 | $8789.33 |  | 7.488% | $2250.67 | $2250.67 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12623.28 | 1 | $4196.16 | $2622.96 | $349.68 | $218.58 |  |  |  |  |  | 29.103% | 29.103% | 29.103% | 06/24/2024 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $3759.08 |  | 6.430% | $7000.00 | 1.3 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $9750.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589224342 |  |  |  | Non QM |  |  |  | Yes | No | $8000.00 | $10302.20 |  | 7.474% | $2728.71 | $2728.71 | 7.250% | No | Yes | Non-Employment Income | Employed | Employed |  | 3.03 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $7055.57 | 1 | $2294.40 | $1110.12 | $191.20 | $92.51 |  |  |  |  |  | 44.549% | 44.549% | 44.549% | 05/24/2024 | 787 | 766 | 755 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2022<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2021<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8000.00 |  | 6.990% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $4129.59 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 76.58 |  | No | No |  | $0.00 | $11787.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581350124 |  |  |  | Non QM |  |  |  | Yes | No | $28125.00 | $37778.47 |  | 7.798% | $8075.93 | $8075.93 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22133.55 | 4 | $15223.80 | $1526.04 | $1268.65 | $127.17 |  |  |  |  |  | 34.718% | 34.718% | 34.718% | 06/25/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| 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: 49.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $28125.00 |  | 6.760% | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.77 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534230080 |  |  |  | Non QM |  |  |  | Yes | No | $19311.20 | $17709.40 |  | 7.363% | $2980.56 | $2980.56 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10132.39 | 1 | $22263.00 | $1406.16 | $1855.25 | $117.18 |  |  |  |  |  | 41.988% | 41.988% | 41.988% | 07/26/2024 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19311.20 |  | 6.800% | $5000.00 | 2.4 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $210907.31 | 38.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.19 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581044781 |  |  |  | Non QM |  |  |  | Yes | No | $23547.15 | $27443.75 |  | 8.226% | $4319.97 | $4319.97 | 7.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8399.51 | 1 | $8375.04 | $1200.00 | $697.92 | $100.00 |  |  |  |  |  | 42.804% | 42.804% | 42.804% | 07/11/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $23547.15 |  | 6.800% | $15000.00 | 2.6 |  |  |  | Yes | No | 7.750% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $68884.39 | 10.000% | No | 42 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.91 |  |  | No |  | $10365.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526853427 |  |  |  | Non QM |  |  |  | Yes | No | $36516.38 | $38871.88 |  | 8.397% | $5709.92 | $5709.92 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10547.93 | 1 | $18225.48 | $2387.52 | $1518.79 | $198.96 |  |  |  |  |  | 42.726% | 42.726% | 42.726% | 08/12/2024 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $36516.38 |  | 6.430% | $0.00 | 2.9 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $93574.26 | 11.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 531383300 |  |  |  | Non QM |  |  |  | Yes | No | $10140.00 | $1746.90 |  | 8.272% | $3808.92 | $3808.92 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8088.95 | 1 | $619.80 | $1451.04 | $51.65 | $120.92 |  |  |  |  |  | 42.605% | 42.605% | 42.605% | 07/18/2024 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10140.00 |  | 6.450% | $0.00 | 1.9 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $116140.66 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541052421 |  |  |  | Non QM |  |  |  | Yes | No | $36380.00 | $41203.65 |  | 8.456% | $7044.14 | $7044.14 | 8.000% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14596.25 | 2 | $8579.28 | $1526.04 | $714.94 | $127.17 |  |  |  |  |  | 35.749% | 35.749% | 35.749% | 08/13/2024 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $36380.00 |  | 6.900% | $185000.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $217050.85 | 18.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 9.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566547733 |  |  |  | Non QM |  |  |  | Yes | No | $9650.00 | $10800.30 |  | 7.753% | $3059.06 | $3059.06 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6275.65 | 1 | $10485.48 | $1038.00 | $873.79 | $86.50 |  |  |  |  |  | 39.189% | 39.189% | 39.189% | 06/12/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9650.00 |  | 6.430% | $4000.00 | 1.2 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $235258.90 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536317147 |  |  |  | Non QM |  |  |  | Yes | No | $4445.00 | $6634.48 |  | 8.573% | $2090.20 | $2090.20 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18961.76 | 1 | $17685.84 | $3102.96 | $1473.82 | $258.58 |  |  |  |  |  | 24.069% | 24.069% | 24.069% | 06/26/2024 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4445.00 |  | 6.760% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | 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 | 55.03 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539339230 |  |  |  | Non QM |  |  |  | Yes | No | $5250.00 | $6424.24 |  | 6.936% | $2270.09 | $2270.09 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10032.51 | 1 | $10812.48 | $3720.96 | $901.04 | $310.08 |  |  |  |  |  | 27.807% | 27.807% | 27.807% | 06/27/2024 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5250.00 |  | 6.430% | $7500.00 | 1.1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 09/01/2054 | $1295836.37 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 222.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594788792 |  |  |  | Non QM |  |  |  | Yes | No | $5750.00 | $8231.20 |  | 7.238% | $2251.38 | $2251.38 | 7.000% | Yes | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25662.31 | 1 | $3601.08 | $10890.36 | $300.09 | $907.53 |  |  |  |  |  | 17.613% | 17.613% | 17.613% | 07/29/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5750.00 |  | 6.430% | $4500.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 09/01/2054 | $1802650.74 | 100.000% | No |  | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 490.18 |  | Yes | No |  | $0.00 | $3072.57 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 528886967 |  |  |  | Non QM |  |  |  | Yes | No | $8276.50 | $11623.88 |  | 7.308% | $2170.55 | $2170.55 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36793.73 | 1 | $5636.40 | $1701.96 | $469.70 | $141.83 |  |  |  |  |  | 15.514% | 15.514% | 15.514% | 08/06/2024 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8276.50 |  | 6.430% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $410.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599387957 |  |  |  | Non QM |  |  |  | Yes | No | $1395.00 | $2977.36 |  | 7.227% | $864.23 | $864.23 | 7.000% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4988.40 | 1 | $1010.04 | $4527.00 | $84.17 | $377.25 |  |  |  |  |  | 28.428% | 28.428% | 28.428% | 07/08/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $1395.00 |  | 6.430% | $0.00 | 2.3 |  |  |  | N/A | No | 7.000% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 6.33 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.07 |  | No | No |  | $1918.46 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 549420716 |  |  |  | Non QM |  |  |  | Yes | No | $16700.00 | $28811.00 |  | 7.036% | $4706.18 | $4706.18 | 6.750% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $107167.96 | 1 | $10239.24 | $1997.04 | $853.27 | $166.42 |  |  |  |  |  | 10.889% | 10.889% | 10.889% | 08/08/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $16700.00 |  | 6.430% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 10/01/2064 | $7252025.57 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 1269.26 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 571833156 |  |  |  | Non QM |  |  |  | Yes | No | $4148.46 | $4812.55 |  | 6.868% | $1978.22 | $1978.22 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3152.54 | 1 | $2646.00 | $2816.04 | $220.50 | $234.67 |  |  |  |  |  | 48.775% | 48.775% | 48.775% | 08/22/2024 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<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 - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4148.46 |  | 6.430% | $0.00 | 1.9 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564210249 |  |  |  | Non QM |  |  |  | Yes | No | $14194.46 | $17979.21 |  | 9.220% | $3924.12 | $3924.12 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9927.38 | 1 | $4281.24 | $1554.96 | $356.77 | $129.58 |  |  |  |  |  | 46.365% | 46.365% | 46.365% | 08/28/2024 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35.000% | 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 - 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]; CPA Letter - 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]; CPA Letter - 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]; CPA Letter - 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]; Other - 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]; Third Party Verification - 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]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 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 | 0 |  |  | CMS | $14194.46 |  | 6.430% | $36000.00 |  |  |  |  | N/A | No | 8.875% | 3 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $61516.28 | 11.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.8 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587798008 |  |  |  | Non QM |  |  |  | Yes | No | $10692.54 | $13302.24 |  | 7.340% | $3503.34 | $3503.34 | 7.125% | No | No | Self-Employed | Not Employed | Self-Employed |  | 3 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $20297.68 | 1 | $8124.84 | $1272.00 | $677.07 | $106.00 |  |  |  |  |  | 23.210% | 23.210% | 23.210% | 08/01/2024 | 735 | 622 | 665 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<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]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10692.54 |  | 6.450% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $20508.08 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 6.37 |  |  | No |  | $13216.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599621802 |  |  |  | Non QM |  |  |  | Yes | No | $15809.20 | $19271.21 |  | 7.755% | $3370.49 | $3370.49 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15664.02 | 1 | $1413.72 | $2782.56 | $117.81 | $231.88 |  |  |  |  |  | 39.003% | 39.003% | 39.003% | 07/30/2024 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [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 |  |  | CMS | $15809.20 |  | 6.350% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $193850.16 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.23 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522125974 |  |  |  | Non QM |  |  |  | Yes | No | $5367.10 | $1896.09 |  | 9.033% | $1152.89 | $1152.89 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5436.92 | 1 | $2601.00 | $3729.00 | $216.75 | $310.75 |  |  |  |  |  | 32.152% | 32.152% | 32.152% | 08/21/2024 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; CPA Letter - 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]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5367.10 |  | 6.450% | $0.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.34 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582808259 |  |  |  | Non QM |  |  |  | Yes | No | $7371.78 | $8758.02 |  | 8.829% | $1795.71 | $1795.71 | 8.500% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3062.31 | 1 | $1357.56 | $2973.00 | $113.13 | $247.75 |  |  |  |  |  | 52.763% | 52.763% | 52.763% | 07/26/2024 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 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 |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $7371.78 |  | 6.150% | $7000.00 | 1 |  |  |  | Yes | No | 8.500% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2064 | $141397.71 | 41.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.15 |  |  | No |  | $1768.05 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 507868102 |  |  |  | Non QM |  |  |  | Yes | No | $7258.00 | $10383.45 |  | 7.916% | $1616.58 | $1616.58 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14368.07 | 1 | $5635.20 | $914.04 | $469.60 | $76.17 |  |  |  |  |  | 25.625% | 25.625% | 25.625% | 09/03/2024 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7258.00 |  | 6.450% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $346043.79 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561672187 |  |  |  | Non QM |  |  |  | Yes | No | $10000.00 | $6674.76 |  | 7.875% | $2607.74 | $2607.74 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8796.81 | 1 | $8447.40 | $5415.00 | $703.95 | $451.25 |  |  |  |  |  | 38.817% | 38.817% | 38.817% | 08/26/2024 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $10000.00 |  | 6.150% | $105000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $4500.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.18 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506449824 |  |  |  | Non QM |  |  |  | Yes | No | $15340.00 | $20857.95 |  | 8.509% | $10032.95 | $10032.95 | 8.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $55870.75 | 1 | $19107.12 | $5799.00 | $1592.26 | $483.25 |  |  |  |  |  | 28.672% | 28.672% | 28.672% | 08/05/2024 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15340.00 |  | 6.450% | $0.00 | 2.3 |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $551250.50 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15 |  | Yes | No |  | $39164.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525181598 |  |  |  | Non QM |  |  |  | Yes | No | $4553.58 | $5612.95 |  | 8.701% | $972.51 | $972.51 | 8.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6057.36 | 1 | $1224.48 | $791.04 | $102.04 | $65.92 |  |  |  |  |  | 33.214% | 33.214% | 33.214% | 08/06/2024 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 6 | 0 |  |  | Carrington | $4553.58 |  | 6.350% | $0.00 | 2.4 |  |  |  | No | No | 8.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.46 |  |  | No |  | $0.00 | $6028.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558741905 |  |  |  | Non QM |  |  |  | Yes | No | $10341.03 | $11330.85 |  | 8.294% | $5269.87 | $5269.87 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11517.69 | 1 | $6401.16 | $4275.00 | $533.43 | $356.25 |  |  |  |  |  | 41.075% | 41.075% | 41.075% | 09/05/2024 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10341.03 |  | 6.040% | $16700.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $189291.82 | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 515772049 |  |  |  | Non QM |  |  |  | Yes | No | $2019.75 | $4042.54 |  | 7.320% | $848.26 | $848.26 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2584.14 | 1 | $3131.52 | $1247.04 | $260.96 | $103.92 |  |  |  |  |  | 37.328% | 37.328% | 37.328% | 07/23/2024 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2019.75 |  | 6.430% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 1 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 575335516 |  |  |  | Non QM |  |  |  | Yes | No | $2840.00 | $2709.60 |  | 6.582% | $1851.96 | $1851.96 | 6.500% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7773.46 | 1 | $5548.08 | $2626.80 | $462.34 | $218.90 |  |  |  |  |  | 40.189% | 40.189% | 40.189% | 08/30/2024 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2840.00 |  | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.61 |  |  | No |  | $12996.66 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559742764 |  |  |  | Non QM |  |  |  | Yes | No | $5854.06 | $6289.66 |  | 9.617% | $1206.82 | $1206.82 | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5640.10 | 2 | $4236.48 | $705.96 | $353.04 | $58.83 |  |  |  |  |  | 31.534% | 31.534% | 31.534% | 07/02/2024 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $5854.06 |  | 6.150% | $3490.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $36159.75 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.64 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504888235 |  |  |  | Non QM |  |  |  | Yes | No | $19027.44 | $22760.94 |  | 9.920% | $5146.03 | $5146.03 | 9.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Nigeria |  |  |  | $17151.30 | 1 | $15300.00 | $3674.04 | $1275.00 | $306.17 |  |  |  |  |  | 31.395% | 31.395% | 31.395% | 08/09/2024 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $19027.44 |  | 6.320% | $20000.00 | 1.2 |  |  |  | No | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $137179.25 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 6.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556792214 |  |  |  | Non QM |  |  |  | Yes | No | $21383.92 | $23463.92 |  | 8.131% | $3450.32 | $3450.32 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15223.03 | 1 | $9207.00 | $1596.00 | $767.25 | $133.00 |  |  |  |  |  | 23.405% | 23.405% | 23.405% | 09/17/2024 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21383.92 |  | 6.430% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.57 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $75307.40 | 13.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.14 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 515014791 |  |  |  | Non QM |  |  |  | Yes | No | $8662.50 | $9471.31 |  | 8.067% | $2256.70 | $2256.70 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3499.62 | 1 | $11869.44 | $1011.00 | $989.12 | $84.25 |  |  |  |  |  | 49.838% | 49.838% | 49.838% | 08/27/2024 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8662.50 |  | 6.150% | $1500.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $165026.40 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597344264 |  |  |  | Non QM |  |  |  | Yes | No | $4267.00 | $4427.96 |  | 6.692% | $1409.51 | $1409.51 | 6.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3770.43 | 1 | $3688.20 | $2619.96 | $307.35 | $218.33 |  |  |  |  |  | 49.471% | 49.471% | 49.471% | 08/12/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4267.00 |  | 6.150% | $0.00 | 1.2 |  |  |  | Yes | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $2057.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.48 |  |  | No |  | $0.00 | $4822.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583529659 |  |  |  | Non QM |  |  |  | Yes | No | $4377.50 | $6373.24 |  | 7.177% | $972.90 | $972.90 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3900.47 | 1 | $448.20 | $3894.96 | $37.35 | $324.58 |  |  |  |  |  | 25.851% | 25.851% | 25.851% | 08/25/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 55.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 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 |  |  | CMS | $4377.50 |  | 6.320% | $1500.00 | 1.2 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $326867.41 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 140.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569481979 |  |  |  | Non QM |  |  |  | Yes | No | $24695.00 | $39154.00 |  | 7.055% | $7783.18 | $7783.18 | 6.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $33065.67 | 1 | $26495.16 | $1860.96 | $2207.93 | $155.08 |  |  |  |  |  | 40.090% | 40.090% | 40.090% | 08/16/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 37.18000% \| 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: 37.18000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 37.18000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 37.18000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $24695.00 |  | 6.320% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 50.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513341206 |  |  |  | Non QM |  |  |  | Yes | No | $9868.28 | $11469.59 |  | 7.054% | $3954.04 | $3954.04 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30269.68 | 1 | $9983.16 | $6612.96 | $831.93 | $551.08 |  |  |  |  |  | 18.979% | 18.979% | 18.979% | 08/02/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # 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: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9868.28 |  | 6.350% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $147809.85 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564481545 |  |  |  | Non QM |  |  |  | Yes | No | $26467.20 | $35105.20 |  | 7.876% | $4972.86 | $4972.86 | 7.375% | Yes | Yes | Self-Employed | Not Employed | Self-Employed |  | 18.11 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $27299.89 | 1 | $11561.76 | $3015.96 | $963.48 | $251.33 |  |  |  |  |  | 33.464% | 33.464% | 33.464% | 07/17/2024 | 782 | 690 | 703 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2006<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]; 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]; Other - 2006 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $26467.20 |  | 6.690% | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $268127.13 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 28.88 |  | Yes | No |  | $6838.36 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510702031 |  |  |  | Non QM |  |  |  | Yes | No | $5070.05 | $3406.29 |  | 8.541% | $1178.11 | $1178.11 | 8.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2498.97 | 1 | $1485.72 | $1733.16 | $123.81 | $144.43 |  |  |  |  |  | 43.910% | 43.910% | 43.910% | 09/06/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5070.05 |  | 6.320% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $131108.43 | 56.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534706113 |  |  |  | Non QM |  |  |  | Yes | No | $4319.10 | $5055.60 |  | 9.512% | $917.27 | $917.27 | 9.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7138.40 | 1 | $1592.52 | $1181.28 | $132.71 | $98.44 |  |  |  |  |  | 39.474% | 39.474% | 39.474% | 07/10/2024 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  | CMS | $4319.10 |  | 6.430% | $0.00 | 1.1 |  |  |  | N/A | No | 9.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 |  |  | No |  | 6 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.64 |  |  | No |  | $0.00 | $8749.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538166133 |  |  |  | Non QM |  |  |  | Yes | No | $955.00 | $2408.75 |  | 9.407% | $987.21 | $987.21 | 9.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6566.98 | 1 | $2819.16 | $3750.96 | $234.93 | $312.58 |  |  |  |  |  | 36.315% | 36.315% | 36.315% | 08/16/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $955.00 |  | 6.430% | $0.00 | 1.3 |  |  |  | N/A | No | 9.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.74 |  |  | No |  | $0.00 | $5832.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504874089 |  |  |  | Non QM |  |  |  | Yes | No | $2701.40 | $4611.40 |  | 9.152% | $1800.74 | $1800.74 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4335.15 | 1 | $3475.08 | $1937.04 | $289.59 | $161.42 |  |  |  |  |  | 40.905% | 40.905% | 40.905% | 08/07/2024 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $2701.40 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $49097.20 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583580304 |  |  |  | Non QM |  |  |  | Yes | No | $12928.00 | $18469.48 |  | 7.862% | $4575.18 | $4575.18 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11699.23 | 1 | $14235.60 | $1394.04 | $1186.30 | $116.17 |  |  |  |  |  | 33.440% | 33.440% | 33.440% | 07/29/2024 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12928.00 |  | 6.350% | $0.00 | 2 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $40000.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518128307 |  |  |  | Non QM |  |  |  | Yes | No | $5225.00 | $1906.31 |  | 7.597% | $1047.79 | $1047.79 | 7.490% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5849.99 | 1 | $4862.76 | $827.16 | $405.23 | $68.93 |  |  |  |  |  | 38.620% | 38.620% | 38.620% | 09/11/2024 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; 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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5225.00 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 11/01/2054 | $997870.34 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 510.17 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521750472 |  |  |  | Non QM |  |  |  | Yes | No | $6633.50 | $8561.27 |  | 7.244% | $1330.15 | $1330.15 | 6.874% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3777.35 | 1 | $3853.56 | $2226.00 | $321.13 | $185.50 |  |  |  |  |  | 47.849% | 47.849% | 47.849% | 07/29/2024 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2024 | [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 |  |  | CMS | $6633.50 |  | 6.040% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $230453.04 | 85.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540100938 |  |  |  | Non QM |  |  |  | Yes | No | $18218.40 | $22590.08 |  | 7.724% | $4116.02 | $4116.02 | 7.374% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8768.98 | 1 | $5838.96 | $1197.00 | $486.58 | $99.75 |  |  |  |  |  | 35.070% | 35.070% | 35.070% | 09/25/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $18218.40 |  | 6.100% | $0.00 | 2.4 |  |  |  | No | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $73797.80 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580173217 |  |  |  | Non QM |  |  |  | Yes | No | $3135.00 | $6738.80 |  | 7.273% | $8594.57 | $8594.57 | 7.249% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15000.74 | 1 | $10928.40 | $5195.16 | $910.70 | $432.93 |  |  |  |  |  | 42.889% | 42.889% | 42.889% | 09/18/2024 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3135.00 |  | 6.100% | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.76 |  |  | No |  | $0.00 | $3587.63 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570134712 |  |  |  | Non QM |  |  |  | Yes | No | $3005.00 | $2500.51 |  | 6.389% | $1046.72 | $1046.72 | 6.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $18205.34 | 1 | $609.72 | $1098.96 | $50.81 | $91.58 |  |  |  |  |  | 12.774% | 12.774% | 12.774% | 06/21/2024 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $3005.00 |  | 6.320% | $0.00 |  |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 10/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 87.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555672187 |  |  |  | Non QM |  |  |  | Yes | No | $24825.00 | $29505.70 |  | 7.567% | $5934.34 | $5934.34 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15474.93 | 2 | $7156.32 | $1311.96 | $596.36 | $109.33 |  |  |  |  |  | 30.390% | 30.390% | 30.390% | 10/16/2024 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $24825.00 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $357280.00 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523948042 |  |  |  | Non QM |  |  |  | Yes | No | $8250.00 | $9425.48 |  | 8.589% | $2253.59 | $2253.59 | 8.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11619.08 | 2 | $6679.44 | $2802.96 | $556.62 | $233.58 |  |  |  |  |  | 24.369% | 24.369% | 24.369% | 08/07/2024 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [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 |  |  | CMS | $8250.00 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $124965.51 |  | 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 | 102.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 509940494 |  |  |  | Non QM |  |  |  | Yes | No | $12836.00 | $14047.37 |  | 7.240% | $7919.44 | $7919.44 | 7.124% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22618.97 | 1 | $3718.80 | $1700.04 | $309.90 | $141.67 |  |  |  |  |  | 36.295% | 36.295% | 36.295% | 10/01/2024 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12836.00 |  | 6.400% | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $55574.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597015363 |  |  |  | Non QM |  |  |  | Yes | No | $4204.00 | $6375.03 |  | 7.718% | $2011.77 | $2011.77 | 7.490% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10929.44 | 1 | $5823.00 | $478.20 | $485.25 | $39.85 |  |  |  |  |  | 42.611% | 42.611% | 42.611% | 08/23/2024 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4204.00 |  | 6.360% | $200.00 | 1 |  |  |  | Yes | No | 7.490% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $98527.08 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.74 |  | No | No |  | $0.00 | $6833.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 507867604 |  |  |  | Non QM |  |  |  | Yes | No | $17810.20 | $20636.95 |  | 7.819% | $4405.05 | $4405.05 | 7.500% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $15197.42 | 1 | $16484.76 | $2346.96 | $1373.73 | $195.58 |  |  |  |  |  | 38.690% | 38.690% | 38.690% | 08/22/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 97.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [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 |  |  | CMS | $17810.20 |  | 6.360% | $25000.00 |  |  |  |  | N/A | No | 7.500% | 0 | 3 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $145036.98 | 21.000% | No |  | 31 |  |  | 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 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.93 |  | No | No |  | $0.00 | $659.69 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510228590 |  |  |  | Non QM |  |  |  | Yes | No | $14634.00 | $17621.54 |  | 7.136% | $4009.89 | $4009.89 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10444.83 | 1 | $14948.28 | $1385.04 | $1245.69 | $115.42 |  |  |  |  |  | 34.805% | 34.805% | 34.805% | 09/12/2024 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $14634.00 |  | 6.040% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $49643.65 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 555187976 |  |  |  | Non QM |  |  |  | Yes | No | $21550.00 | $24302.60 |  | 6.814% | $4563.53 | $4563.53 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14591.50 | 1 | $23171.40 | $8996.04 | $1930.95 | $749.67 |  |  |  |  |  | 43.717% | 43.717% | 43.717% | 08/12/2024 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $21550.00 |  | 6.040% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.09 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550845662 |  |  |  | Non QM |  |  |  | Yes | No | $2490.00 | $7727.28 |  | 7.176% | $4904.67 | $4904.67 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $13514.13 | 1 | $7598.76 | $1530.00 | $633.23 | $127.50 |  |  |  |  |  | 43.967% | 43.967% | 43.967% | 09/20/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | CMS | $2490.00 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $114090.84 | 10.000% | 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 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 110.96 | Retail |  | No |  | $12059.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 571843560 |  |  |  | Non QM |  |  |  | Yes | No | $8480.00 | $2799.92 |  | 7.553% | $2961.77 | $2961.77 | 7.490% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5728.22 | 1 | $8953.20 | $7103.04 | $746.10 | $591.92 |  |  |  |  |  | 49.891% | 49.891% | 49.891% | 09/12/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8480.00 |  | 6.100% | $0.00 | 1 |  |  |  | Yes | No | 7.490% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Short Form | 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 | 6.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 531235403 |  |  |  | Non QM |  |  |  | Yes | No | $3576.50 | $4385.88 |  | 6.517% | $1777.84 | $1777.84 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18611.92 | 1 | $4179.12 | $2351.88 | $348.26 | $195.99 |  |  |  |  |  | 19.107% | 19.107% | 19.107% | 09/10/2024 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $3576.50 |  | 6.100% | $0.00 | 2.5 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $252048.67 | 66.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563325380 |  |  |  | Non QM |  |  |  | Yes | No | $5428.24 | $6046.40 |  | 9.707% | $1743.35 | $1743.35 | 9.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2508.05 | 1 | $5480.28 | $1193.04 | $456.69 | $99.42 |  |  |  |  |  | 48.994% | 48.994% | 48.994% | 10/18/2024 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $5428.24 |  | 6.400% | $135587.86 | 1.7 |  |  |  | N/A | No | 9.375% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $21352.10 | 7.000% | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546991130 |  |  |  | Non QM |  |  |  | Yes | No | $8260.00 | $9275.99 |  | 6.499% | $4466.44 | $4466.44 | 6.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5297.25 | 1 | $3528.00 | $3414.00 | $294.00 | $284.50 |  |  |  |  |  | 48.953% | 48.953% | 48.953% | 10/03/2024 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; CPA Letter - 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]; Third Party Verification - 2024 | [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 |  |  | CMS | $8260.00 |  | 6.400% | $0.00 | 4.8 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $152999.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 562508634 |  |  |  | Non QM |  |  |  | Yes | No | $7900.00 | $5174.94 |  | 7.616% | $1955.88 | $1955.88 | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7735.25 | 1 | $7580.64 | $3567.96 | $631.72 | $297.33 |  |  |  |  |  | 46.295% | 46.295% | 46.295% | 09/03/2024 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $7900.00 |  | 6.040% | $1000.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 3 | 2 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $444557.18 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535311985 |  |  |  | Non QM |  |  |  | Yes | No | $19374.92 | $21776.21 |  | 8.862% | $3475.49 | $3475.49 | 8.374% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6456.03 | 1 | $8711.28 | $1020.00 | $725.94 | $85.00 |  |  |  |  |  | 42.405% | 42.405% | 42.405% | 10/24/2024 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; CPA Letter - 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]; Third Party Verification - 2024 | [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 |  |  | CMS | $19374.92 |  | 6.590% | $0.00 |  |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $110468.77 | 21.000% | 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 | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518896051 |  |  |  | Non QM |  |  |  | Yes | No | $11920.00 | $11310.96 |  | 8.471% | $2598.50 | $2598.50 | 8.124% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8566.87 | 1 | $4918.80 | $2694.36 | $409.90 | $224.53 |  |  |  |  |  | 30.014% | 30.014% | 30.014% | 08/13/2024 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | CMS | $11920.00 |  | 6.400% | $0.00 | 1 |  |  |  | Yes | No | 8.124% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558305360 |  |  |  | Non QM |  |  |  | Yes | No | $3170.75 | $4489.83 |  | 7.696% | $1590.71 | $1590.71 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5288.00 | 1 | $2688.00 | $1148.04 | $224.00 | $95.67 |  |  |  |  |  | 49.016% | 49.016% | 49.016% | 08/20/2024 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3170.75 |  | 6.150% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 21.53 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $146426.55 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.88 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582492458 |  |  |  | Non QM |  |  |  | Yes | No | $8868.00 | $10126.39 |  | 9.902% | $2213.73 | $2213.73 | 9.490% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10649.71 | 1 | $5339.04 | $1613.04 | $444.92 | $134.42 |  |  |  |  |  | 23.761% | 23.761% | 23.761% | 07/23/2024 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 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]; CPA Letter - 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]; CPA Letter - 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]; CPA Letter - 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]; Other - 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]; Other - 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]; Third Party Verification - 2024 | [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 |  |  | CMS | $8868.00 |  | 6.100% | $45500.00 |  |  |  |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $46709.51 | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.89 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583180328 |  |  |  | Non QM |  |  |  | Yes | No | $4895.00 | $5329.26 |  | 9.426% | $1625.09 | $1625.09 | 9.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4594.14 | 1 | $3360.60 | $1091.04 | $280.05 | $90.92 |  |  |  |  |  | 39.924% | 39.924% | 39.924% | 09/04/2024 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4895.00 |  | 6.100% | $30550.00 | 2.5 |  |  |  | Yes | No | 9.124% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  | 11/01/2054 | $5996.73 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530745887 |  |  |  | N/A |  |  |  | No | No | $40496.26 | $23447.44 |  | 8.606% | $4676.63 | $4676.63 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7901.60 | 2 | $16218.12 | $2920.68 | $1351.51 | $243.39 |  |  |  |  |  | 43.221% | 43.221% | 43.221% | 10/17/2024 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $40496.26 |  | 6.320% | $0.00 |  |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $335870.77 | 40.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.86 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525697443 |  |  |  | Non QM |  |  |  | Yes | No | $12900.00 | $18299.37 |  | 6.891% | $4057.55 | $4057.55 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11575.30 | 1 | $14431.44 | $3000.12 | $1202.62 | $250.01 |  |  |  |  |  | 34.741% | 34.741% | 34.741% | 09/30/2024 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12900.00 |  | 6.400% | $0.00 | 1 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $297024.49 | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563342231 |  |  |  | Non QM |  |  |  | Yes | No | $12840.00 | $23302.23 |  | 6.661% | $7539.04 | $7539.04 | 6.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49067.69 | 1 | $18851.64 | $6235.92 | $1570.97 | $519.66 |  |  |  |  |  | 31.008% | 31.008% | 31.008% | 10/01/2024 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2019 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12840.00 |  | 6.730% | $0.00 | 1 |  |  |  | Yes | No | 6.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $172016.20 |  | 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 | 16.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536588439 |  |  |  | Non QM |  |  |  | Yes | No | $31871.04 | $15875.37 |  | 8.913% | $7186.64 | $7186.64 | 8.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24656.97 | 1 | $4944.24 | $4703.04 | $412.02 | $391.92 |  |  |  |  |  | 34.769% | 34.769% | 34.769% | 10/14/2024 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $31871.04 |  | 6.590% | $22840.00 | 1 |  |  |  | No | No | 8.749% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $287722.53 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564224369 |  |  |  | Non QM |  |  |  | Yes | No | $11212.50 | $12412.68 |  | 7.817% | $2619.49 | $2619.49 | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4158.05 | 1 | $4862.76 | $2904.00 | $405.23 | $242.00 |  |  |  |  |  | 49.968% | 49.968% | 49.968% | 10/14/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11212.50 |  | 6.780% | $0.00 | 1.1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $210399.50 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595263362 |  |  |  | Non QM |  |  |  | Yes | No | $28309.05 | $15823.16 |  | 9.745% | $5028.15 | $5028.15 | 9.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17629.01 | 1 | $12034.08 | $2166.00 | $1002.84 | $180.50 |  |  |  |  |  | 34.027% | 34.027% | 34.027% | 08/31/2024 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $28309.05 |  | 6.590% | $19950.00 |  |  |  |  | N/A | No | 9.490% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $25000.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576816968 |  |  |  | Non QM |  |  |  | Yes | No | $5463.30 | $6014.42 |  | 8.836% | $1079.20 | $1079.20 | 8.374% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2921.11 | 1 | $3415.80 | $1658.88 | $284.65 | $138.24 |  |  |  |  |  | 43.473% | 43.473% | 43.473% | 10/07/2024 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Carrington | $5463.30 |  | 6.400% | $0.00 | 1 |  |  |  | Yes | No | 8.374% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.56 |  |  | No |  | $1528.49 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567209671 |  |  |  | Non QM |  |  |  | Yes | No | $13815.75 | $24932.67 |  | 7.113% | $6654.01 | $6654.01 | 6.874% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13071.00 | 1 | $8800.44 | $4079.40 | $733.37 | $339.95 |  |  |  |  |  | 46.830% | 46.830% | 46.830% | 10/17/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13815.75 |  | 6.590% | $0.00 |  |  |  |  | N/A | No | 6.874% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | 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 |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506997277 |  |  |  | Non QM |  |  |  | Yes | No | $4193.00 | $7375.39 |  | 6.973% | $2055.03 | $2055.03 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4171.79 | 1 | $3875.76 | $1206.00 | $322.98 | $100.50 |  |  |  |  |  | 48.657% | 48.657% | 48.657% | 09/04/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $4193.00 |  | 6.100% | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 9.53 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | 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 | 19.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522625371 |  |  |  | Non QM |  |  |  | Yes | No | $24348.00 | $28400.12 |  | 9.431% | $4117.09 | $4117.09 | 8.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7984.17 | 1 | $5061.60 | $5298.00 | $421.80 | $441.50 |  |  |  |  |  | 42.710% | 42.710% | 42.710% | 11/04/2024 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<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]; 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 | [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 |  |  | CMS | $24348.00 |  | 6.830% | $0.00 | 1.7 |  |  |  | No | No | 8.874% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $137371.85 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503191186 |  |  |  | Non QM |  |  |  | Yes | No | $5762.43 | $9303.36 |  | 7.084% | $1543.51 | $1543.51 | 6.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3768.27 | 1 | $1744.68 | $2164.08 | $145.39 | $180.34 |  |  |  |  |  | 48.818% | 48.818% | 48.818% | 10/31/2024 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 | 0 | 0 |  |  | CMS | $5762.43 |  | 6.590% | $0.00 | 1 |  |  |  | No | No | 6.749% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $7612.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504288445 |  |  |  | Non QM |  |  |  | Yes | No | $12277.35 | $16324.66 |  | 9.526% | $2459.26 | $2459.26 | 8.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7712.04 | 1 | $3313.56 | $1499.88 | $276.13 | $124.99 |  |  |  |  |  | 33.339% | 33.339% | 33.339% | 09/23/2024 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024 | [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) | 1yr P&L w/o Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12277.35 |  | 6.760% | $62301.50 | 1 |  |  |  | No | No | 8.990% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $2500.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.94 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588245053 |  |  |  | Non QM |  |  |  | Yes | No | $11167.58 | $12305.67 |  | 6.936% | $2509.76 | $2509.76 | 6.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17832.53 | 1 | $6662.16 | $1508.04 | $555.18 | $125.67 |  |  |  |  |  | 35.894% | 35.894% | 35.894% | 10/25/2024 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2019 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $11167.58 |  | 6.830% | $0.00 | 3.7 |  |  |  | No | No | 6.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 21.93 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563618595 |  |  |  | Non QM |  |  |  | Yes | No | $9790.00 | $13489.22 |  | 8.537% | $2346.07 | $2346.07 | 8.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9510.64 | 1 | $2942.04 | $2655.96 | $245.17 | $221.33 |  |  |  |  |  | 41.503% | 41.503% | 41.503% | 10/23/2024 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2016<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2016 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $9790.00 |  | 6.780% | $0.00 | 2 |  |  |  | No | No | 8.124% | 0 |  | 0 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $42406.53 | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598107626 |  |  |  | Non QM |  |  |  | Yes | No | $10966.00 | $5604.15 |  | 8.910% | $2202.56 | $2202.56 | 8.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3672.88 | 1 | $1207.08 | $1560.00 | $100.59 | $130.00 |  |  |  |  |  | 40.347% | 40.347% | 40.347% | 10/03/2024 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| 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: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 36.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $10966.00 |  | 6.590% | $5350.00 | 2 |  |  |  | Yes | No | 8.749% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $76537.37 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510496743 |  |  |  | Non QM |  |  |  | Yes | No | $13722.75 | $3597.50 |  | 9.816% | $4406.31 | $4406.31 | 9.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8216.78 | 1 | $12822.72 | $1233.00 | $1068.56 | $102.75 |  |  |  |  |  | 42.914% | 42.914% | 42.914% | 10/10/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $13722.75 |  | 6.590% | $42010.82 | 1.5 |  |  |  | No | No | 9.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $43516.45 | 8.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583634304 |  |  |  | Non QM |  |  |  | Yes | No | $3459.00 | $4969.03 |  | 8.964% | $1517.80 | $1517.80 | 8.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3197.33 | 1 | $4196.04 | $1142.04 | $349.67 | $95.17 |  |  |  |  |  | 38.807% | 38.807% | 38.807% | 09/30/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3459.00 |  | 6.590% | $30000.00 | 2.1 |  |  |  | Yes | No | 8.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $16710.67 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584787676 |  |  |  | Non QM |  |  |  | Yes | No | $3190.00 | $3425.67 |  | 8.353% | $733.07 | $733.07 | 7.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2643.98 | 1 | $505.08 | $1262.88 | $42.09 | $105.24 |  |  |  |  |  | 36.692% | 36.692% | 36.692% | 09/10/2024 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3190.00 |  | 6.360% | $0.00 | 2.1 |  |  |  | No | No | 7.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 11/01/2054 | $413209.26 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 528109639 |  |  |  | Non QM |  |  |  | Yes | No | $5990.08 | $8324.15 |  | 7.460% | $1532.56 | $1532.56 | 7.124% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4189.69 | 1 | $7812.36 | $593.76 | $651.03 | $49.48 |  |  |  |  |  | 52.083% | 52.083% | 52.083% | 10/30/2024 | 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 - 2024<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]; Third Party Verification - 2020 | [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 |  |  | CMS | $5990.08 |  | 6.690% | $20000.00 | 1.4 |  |  |  | Yes | No | 7.124% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $28810.81 | 8.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582244537 |  |  |  | Non QM |  |  |  | Yes | No | $6270.00 | $8660.10 |  | 7.697% | $1282.36 | $1282.36 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3854.32 | 1 | $2149.08 | $1188.96 | $179.09 | $99.08 |  |  |  |  |  | 29.522% | 29.522% | 29.522% | 11/21/2024 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 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 - Personal - 2024<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 - 2024<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 - 2024<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 - 2024<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 - 2024<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 - 2024<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 - 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 |  |  | CMS | $6270.00 |  | 6.690% | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $105131.26 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 543323734 |  |  |  | Non QM |  |  |  | Yes | No | $3620.60 | $4761.40 |  | 7.929% | $726.47 | $726.47 | 7.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3363.35 | 1 | $334.32 | $1474.08 | $27.86 | $122.84 |  |  |  |  |  | 47.411% | 47.411% | 47.411% | 11/26/2024 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 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) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $3620.60 |  | 6.360% | $0.00 | 1.4 |  |  |  | Yes | No | 7.490% | 1 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535721269 |  |  |  | Non QM |  |  |  | Yes | No | $8936.60 | $10823.62 |  | 8.994% | $2364.26 | $2364.26 | 8.624% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $6764.97 | 1 | $6634.92 | $1711.68 | $552.91 | $142.64 |  |  |  |  |  | 42.872% | 42.872% | 42.872% | 09/17/2024 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $8936.60 |  | 6.120% | $0.00 | 1 |  |  |  | No | No | 8.624% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $21465.39 |  | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 5 | Retail |  | No |  | $0.00 | $206.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599803314 |  |  |  | N/A |  |  |  | No | No | $6673.08 | $8940.60 |  | 8.384% | $1538.93 | $1538.93 | 7.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30749.61 | 1 | $2983.80 | $1165.80 | $248.65 | $97.15 |  |  |  |  |  | 22.935% | 22.935% | 22.935% | 11/06/2024 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $6673.08 |  | 6.760% | $0.00 | 1 |  |  |  | Yes | No | 7.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $127328.27 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560372662 |  |  |  | Non QM |  |  |  | Yes | No | $15725.00 | $21023.46 |  | 7.848% | $6900.32 | $6900.32 | 7.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11965.07 | 1 | $18437.52 | $2820.96 | $1536.46 | $235.08 |  |  |  |  |  | 42.595% | 42.595% | 42.595% | 11/15/2024 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $15725.00 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $684830.61 | 46.000% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567817589 |  |  |  | Non QM |  |  |  | Yes | No | $7110.00 | $12137.59 |  | 7.722% | $2417.12 | $2417.12 | 7.374% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3653.07 | 1 | $4416.60 | $1913.04 | $368.05 | $159.42 |  |  |  |  |  | 45.204% | 45.204% | 45.204% | 11/18/2024 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | CMS | $7110.00 |  | 6.760% | $0.00 | 1 |  |  |  | Yes | No | 7.374% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506578597 |  |  |  | Non QM |  |  |  | Yes | No | $75785.00 | $92531.19 |  | 8.694% | $32264.61 | $32264.61 | 8.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $63774.54 | 1 | $40537.20 | $17288.04 | $3378.10 | $1440.67 |  |  |  |  |  | 39.007% | 39.007% | 39.007% | 11/20/2024 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 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) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $75785.00 |  | 6.760% | $0.00 |  |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $193164.70 |  | 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 | 15.22 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559757853 |  |  |  | Non QM |  |  |  | Yes | No | $12300.00 | $13317.66 |  | 8.804% | $3503.01 | $3503.01 | 8.490% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11030.00 | 1 | $11148.00 | $1984.08 | $929.00 | $165.34 |  |  |  |  |  | 38.700% | 38.700% | 38.700% | 10/11/2024 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2019 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12300.00 |  | 6.830% | $0.00 | 2.5 |  |  |  | Yes | No | 8.490% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 | $55344.90 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.18 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 554835226 |  |  |  | Non QM |  |  |  | Yes | No | $12175.00 | $14367.22 |  | 10.037% | $3484.66 | $3484.66 | 9.624% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5918.78 | 1 | $4329.72 | $690.96 | $360.81 | $57.58 |  |  |  |  |  | 43.002% | 43.002% | 43.002% | 11/07/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $12175.00 |  | 6.630% | $20000.00 |  |  |  |  | N/A | No | 9.624% | 0 |  | 0 | 0 | 3 | 0 |  |  | 20.97 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $52922.76 | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513646819 |  |  |  | Non QM |  |  |  | Yes | No | $6930.00 | $10284.55 |  | 7.520% | $2742.08 | $2742.08 | 7.249% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10856.70 | 1 | $9814.56 | $1431.96 | $817.88 | $119.33 |  |  |  |  |  | 44.089% | 44.089% | 44.089% | 11/06/2024 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2019 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMS | $6930.00 |  | 6.760% | $0.00 | 1 |  |  |  | Yes | No | 7.249% | 0 |  | 0 | 0 | 3 | 0 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $241756.96 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.81 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 557417245 |  |  |  | Non QM |  |  |  | Yes | No | $10900.00 | $12864.37 |  | 8.017% | $3581.72 | $3581.72 | 7.749% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16651.67 | 1 | $16847.40 | $3816.00 | $1403.95 | $318.00 |  |  |  |  |  | 36.106% | 36.106% | 36.106% | 11/26/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| 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: 100.00% \| 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: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 |  |  | CMS | $10900.00 |  | 6.830% | $0.00 |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $450737.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522064770 |  |  |  | N/A |  |  |  | No | Yes | $0.00 | $0.00 |  | 6.849% | $3170.34 | $3170.34 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27081.78 | 1 | $4725.00 | $1127.04 | $393.75 | $93.92 |  |  |  |  |  | 28.519% | 28.519% | 28.519% | 03/24/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 6.660% | $2000.00 | 1.3 | DU |  | ApproveEligible | N/A | No | 6.875% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $388899.99 | 60.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.63 |  | No | No |  | $0.00 | $17916.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560166872 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1540.25 | $1540.25 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4521.24 | $1386.96 | $376.77 | $115.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 05/01/2055 | $159634.82 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.49 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 593594636 |  |  |  | Non QM |  |  |  | Yes | No | $1886.51 | $5103.51 |  | 8.225% | $3092.50 | $3092.50 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7302.29 | 1 | $9189.00 | $6442.32 | $765.75 | $536.86 |  |  |  |  |  | 43.471% | 43.471% | 43.471% | 02/27/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense 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]; Third Party Verification - 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 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1886.51 |  | 6.660% | $10000.00 | 1.3 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $5000.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529840754 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $8909.71 | $8909.71 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $23551.32 | $12917.52 | $1962.61 | $1076.46 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/22/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | 05/01/2055 | $7311.50 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 63.33 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 505136346 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3841.87 | $3841.87 | 6.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $18750.00 | $10231.56 | $1562.50 | $852.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/24/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | 05/01/2055 | $1042350.92 | 69.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 522285620 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4900.26 | $4900.26 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $15281.88 | $1134.00 | $1273.49 | $94.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | 05/01/2055 | $801594.34 | 70.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.04 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546377847 |  |  |  | Non QM |  |  |  | Yes | No | $1395.00 | $2719.76 |  | 7.553% | $1001.48 | $1001.48 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2940.12 | 1 | $1477.68 | $3560.04 | $123.14 | $296.67 |  |  |  |  |  | 49.885% | 49.885% | 49.885% | 02/20/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; 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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1395.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.97 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500598570 |  |  |  | Non QM |  |  |  | Yes | No | $5647.50 | $6817.51 |  | 8.484% | $2235.02 | $2235.02 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16966.34 | 1 | $4215.60 | $3111.00 | $351.30 | $259.25 |  |  |  |  |  | 27.715% | 27.715% | 27.715% | 02/27/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5647.50 |  | 6.620% | $0.00 | 2.6 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 571813791 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $2983.65 |  | 7.522% | $8810.10 | $8810.10 | 7.500% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27390.27 | 1 | $34651.32 | $2609.04 | $2887.61 | $217.42 |  |  |  |  |  | 31.925% | 31.925% | 31.925% |  | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.650% | $0.00 | 2.7 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 04/01/2055 | $2247962.13 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 182.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589233419 |  |  |  | Non QM |  |  |  | Yes | No | $8599.00 | $16757.35 |  | 7.113% | $4598.50 | $4598.50 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $12208.83 | 1 | $41182.20 | $2531.28 | $3431.85 | $210.94 |  |  |  |  |  | 46.932% | 46.932% | 46.932% |  | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 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 - Personal - 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]; Expense 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| 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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8599.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 5 | 0 | 12 | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1054477.94 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 37.61 | Retail |  | No |  | $10255.47 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525868007 |  |  |  | Non QM |  |  |  | Yes | No | $4307.00 | $6054.39 |  | 8.127% | $1077.48 | $1077.48 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5610.77 | 1 | $2300.88 | $1814.40 | $191.74 | $151.20 |  |  |  |  |  | 29.928% | 29.928% | 29.928% | 02/28/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  | Arc | $4307.00 |  | 6.650% | $4760.00 | 1.7 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $118970.16 | 63.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570495014 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1836.12 | $1836.12 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4605.24 | $864.00 | $383.77 | $72.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $206832.60 |  | 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 | 90.25 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 570868086 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2771.48 | $2771.48 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $7614.60 | $4590.96 | $634.55 | $382.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.06 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 580748505 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3884.74 | $3884.74 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $6998.76 | $4083.00 | $583.23 | $340.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.07 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 532426869 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1459.35 | $1459.35 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $4681.80 | $1755.00 | $390.15 | $146.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/03/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.67 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 555698867 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1806.87 | $1806.87 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6977.16 | $3688.92 | $581.43 | $307.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | 05/01/2055 | $3657002.18 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1222.87 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551281878 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2759.25 | $2759.25 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2599.56 | $687.00 | $216.63 | $57.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.84 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 527433028 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1887.88 | $1887.88 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4335.96 | $6351.24 | $361.33 | $529.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/08/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 05/01/2055 | $157886.51 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 569853558 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4936.86 | $4936.86 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7617.60 | $2372.40 | $634.80 | $197.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 05/01/2055 | $1089601.25 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 119.53 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519468305 |  |  |  | N/A |  |  |  | No | No | $15834.61 |  |  | 8.345% | $3592.67 | $3592.67 | 8.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17425.16 | 1 | $11058.12 | $508.32 | $921.51 | $42.36 |  |  |  |  |  | 33.591% | 33.591% | 33.591% |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15834.61 |  | 6.620% | $2500.00 | 999 |  |  |  | N/A | No | 8.375% | 3 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $267310.44 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.32 | Retail | No | No |  | $0.00 | $10829.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568642152 |  |  |  | N/A |  |  |  | No | No | $11200.00 |  |  | 8.734% | $2517.44 | $2517.44 | 8.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13086.66 | 1 | $4873.68 | $1486.80 | $406.14 | $123.90 |  |  |  |  |  | 46.728% | 46.728% | 46.728% |  | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Divorce Decree - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11200.00 |  | 6.650% | $0.00 | 4.5 |  |  |  | N/A | No | 8.750% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $181880.00 | 45.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.91 | Retail | No | No |  | $7584.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569162378 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.443% | $874.02 | $874.02 | 7.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4750.52 | 1 | $3774.96 | $558.96 | $314.58 | $46.58 |  |  |  |  |  | 40.084% | 40.084% | 40.084% | 02/25/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc |  |  | 6.660% | $0.00 | 3.4 |  |  |  | N/A | No | 7.500% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $269377.73 | 90.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.04 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506386417 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16061.88 | $17578.38 |  | 8.125% | $4970.35 | $4970.35 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $51174.63 | 1 | $12145.80 | $1998.00 | $1012.15 | $166.50 |  |  |  |  |  | 18.487% | 18.487% | 18.487% | 03/16/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  | Arc | $16061.88 |  | 6.660% | $0.00 | 3.5 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $39255.46 |  | 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 | 64.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 552301425 |  |  |  | Non QM |  |  |  | Yes | No | $16840.00 | $5766.70 |  | 7.597% | $3496.07 | $3496.07 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6916.74 | 1 | $7002.36 | $2776.80 | $583.53 | $231.40 |  |  |  |  |  | 44.625% | 44.625% | 44.625% | 03/06/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16840.00 |  | 6.650% | $0.00 | 3.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565077601 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $42480.76 | $223.66 |  | 6.858% | $10826.19 | $10826.19 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56623.90 | 1 | $27217.68 | $2656.92 | $2268.14 | $221.41 |  |  |  |  |  | 22.256% | 22.256% | 22.256% | 04/01/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| 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: 40.00000% \| 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: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $42480.76 |  | 6.700% | $40000.00 | 2.3 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $77010.88 | 4.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.12 |  |  | No |  | $36416.82 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598878827 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13995.00 | $4945.06 |  | 7.906% | $5342.31 | $5342.31 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11498.28 | 1 | $4412.40 | $5508.96 | $367.70 | $459.08 |  |  |  |  |  | 47.748% | 47.748% | 47.748% | 03/20/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 24 | Business | 56.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1994<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13995.00 |  | 6.650% | $6866.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | 05/01/2055 | $886087.25 | 96.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112.79 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567108023 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9707.50 | $11861.74 |  | 6.939% | $3551.07 | $3551.07 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16962.37 | 1 | $6171.12 | $5070.84 | $514.26 | $422.57 |  |  |  |  |  | 21.884% | 21.884% | 21.884% | 03/11/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9707.50 |  | 6.650% | $0.00 | 2.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $309720.29 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565002776 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13149.68 | $14716.56 |  | 7.872% | $4087.51 | $4087.51 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Bangladesh |  |  |  | $12676.85 | 1 | $13777.08 | $3674.04 | $1148.09 | $306.17 |  |  |  |  |  | 34.302% | 34.302% | 34.302% | 02/18/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13149.68 |  | 6.620% | $0.00 | 1.8 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 13 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 40.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546433142 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3521.71 | $3521.71 | 6.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $16074.00 | $693.96 | $1339.50 | $57.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | 05/01/2055 | $651810.66 | 69.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.28 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 587852435 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4934.54 | $4934.54 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $14817.60 | $429.00 | $1234.80 | $35.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | 05/01/2055 | $287307.97 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.34 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 592314211 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2431.41 | $2431.41 | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4071.84 | $1336.80 | $339.32 | $111.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 28.88 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 554891314 |  |  |  | Non QM |  |  |  | Yes | No | $850.00 | $11743.58 |  | 7.136% | $14552.32 | $14552.32 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $115463.16 | 1 | $11424.36 | $6969.60 | $952.03 | $580.80 |  |  |  |  |  | 18.900% | 18.900% | 18.900% | 01/21/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $850.00 |  | 6.660% | $7400.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1222735.80 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.47 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 574626715 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2778.81 | $2778.81 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4808.04 | $1787.04 | $400.67 | $148.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | 05/01/2055 | $176634.00 | 25.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.08 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546263799 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $9843.75 | $9843.75 | 7.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $7224.24 | $7407.00 | $602.02 | $617.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.98 | 0.51 |  |  |  |  |  |  | 240 | 05/01/2055 | $100249.95 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.59 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 520496249 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1858.28 | $1858.28 | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4899.96 | $1316.04 | $408.33 | $109.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | 05/01/2055 | $198454.36 | 51.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 38.66 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555152152 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4547.81 | $4547.81 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $22500.48 | $6369.72 | $1875.04 | $530.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | 05/01/2055 | $1483043.98 | 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 |  |  |  |  |  |  |  |  |  |  |  | 165.04 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 500454634 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2951.03 | $2951.03 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5064.96 | $1364.16 | $422.08 | $113.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | 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 | 114.71 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 516556056 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2770.93 | $2770.93 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4546.44 | $2858.88 | $378.87 | $238.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 4.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 594361038 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11515.00 | $11292.81 |  | 7.974% | $3589.23 | $3589.23 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6733.91 | 1 | $6494.28 | $2020.08 | $541.19 | $168.34 |  |  |  |  |  | 44.861% | 44.861% | 44.861% | 02/11/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11515.00 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500014302 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2671.00 | $2671.00 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6109.32 | $1422.72 | $509.11 | $118.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 05/01/2055 | $271874.48 | 47.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.54 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 504232385 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13495.00 | $14704.99 |  | 7.305% | $5389.75 | $5389.75 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13074.62 | 1 | $21678.00 | $6087.60 | $1806.50 | $507.30 |  |  |  |  |  | 43.882% | 43.882% | 43.882% | 04/01/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13495.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $251491.69 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.92 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519872319 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11095.00 | $11759.27 |  | 7.497% | $3274.45 | $3274.45 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11377.14 | 1 | $6476.64 | $1557.00 | $539.72 | $129.75 |  |  |  |  |  | 25.969% | 25.969% | 25.969% | 03/01/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2004 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11095.00 |  | 6.650% | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $81995.40 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529956134 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2417.36 | $2417.36 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11703.60 | $1314.96 | $975.30 | $109.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 05/01/2055 | $300048.79 | 50.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.5 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579221703 |  |  |  | Non QM |  |  |  | Yes | No | $16653.00 | $3477.35 |  | 7.294% | $3751.97 | $3751.97 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10629.94 | 1 | $8861.28 | $1113.96 | $738.44 | $92.83 |  |  |  |  |  | 40.279% | 40.279% | 40.279% | 03/29/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| 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: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1988<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]; 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 - 1988 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16653.00 |  | 6.650% | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $128335.89 |  | 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 | 135.36 |  | No | No |  | $8693.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535069659 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5351.13 | $5351.13 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $8482.08 | $3585.00 | $706.84 | $298.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 05/01/2040 |  |  | 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 | 89.3 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 575672994 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5967.76 | $5967.76 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $7955.88 | $2361.00 | $662.99 | $196.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 05/01/2055 | $1226529.09 | 94.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 114.13 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 539145600 |  |  |  | Non QM |  |  |  | Yes | No | $12562.50 | $14881.85 |  | 7.892% | $6490.63 | $8250.53 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43054.46 | 1 | $5821.68 | $6721.08 | $485.14 | $560.09 |  |  |  |  |  | 31.018% | 28.199% | 31.018% | 03/21/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| 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]; 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]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12562.50 |  | 6.650% | $0.00 | 2.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548322390 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10054.08 | $10629.26 |  | 7.164% | $2414.21 | $2414.21 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6722.91 | 1 | $5263.56 | $1362.96 | $438.63 | $113.58 |  |  |  |  |  | 44.362% | 44.362% | 44.362% | 02/27/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $10054.08 |  | 6.650% | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $10655.27 |  | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595378035 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2201.29 | $2201.29 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $14392.08 | $5671.20 | $1199.34 | $472.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | 05/01/2055 | $121978.92 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.11 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 517834885 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2382.81 | $2382.81 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $5533.92 | $1689.12 | $461.16 | $140.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 12.8 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 538215848 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1656.24 | $1656.24 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3738.84 | $2674.68 | $311.57 | $222.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 05/01/2055 | $222606.83 | 57.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.77 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 549187450 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3153.26 | $3153.26 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5880.84 | $3624.00 | $490.07 | $302.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 05/01/2055 | $581007.37 | 97.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 112.69 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 563302700 |  |  |  | N/A |  |  |  | No | No | $105850.00 |  |  | 7.222% | $24899.43 | $24899.43 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2558674.91 | 1 | $14735.28 | $6962.04 | $1227.94 | $580.17 |  |  |  |  |  | 11.374% | 11.374% | 11.374% | 03/19/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [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]; 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]; Third Party Verification - 2025 | [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 |  |  | Arc | $105850.00 |  | 6.660% | $0.00 | 2.5 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1027500.85 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 295.42 | Retail | No | No |  | $2887053.64 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518080322 |  |  |  | Non QM |  |  |  | Yes | No | $2163.00 | $3080.83 |  | 6.991% | $1471.52 | $1471.52 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12387.56 | 1 | $1946.76 | $1887.96 | $162.23 | $157.33 |  |  |  |  |  | 13.239% | 13.239% | 13.239% | 03/17/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2163.00 |  | 6.620% | $15000.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $46317.02 | 17.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577411345 |  |  |  | Non QM |  |  |  | Yes | No | $1786.00 | $8206.05 |  | 7.584% | $3941.57 | $4437.92 | 8.084% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25231.75 | 1 | $42961.08 | $1901.16 | $3580.09 | $158.43 |  |  |  |  |  | 40.760% | 39.595% | 40.760% |  | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1786.00 |  | 6.680% | $0.00 | 1.5 |  |  |  | N/A | No | 8.084% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 04/01/2055 | $4526291.53 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 619.62 | Retail | Yes | No |  | $16830.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530563063 |  |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $4297.76 |  | 7.388% | $20202.25 | $20202.25 | 7.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28349.81 | 1 | $41098.32 | $6753.96 | $3424.86 | $562.83 |  |  |  |  |  | 49.979% | 49.979% | 49.979% | 02/03/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 24 | Business | 47.000% |  | 99.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 87.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 87.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 87.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 87.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 87.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 87.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2024<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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1695.00 |  | 6.650% | $0.00 | 3.9 |  |  |  | N/A | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 04/01/2055 | $663206.07 |  | No | 17 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.82 | Retail |  | No |  | $29388.46 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564452682 |  |  |  | Non QM |  |  |  | Yes | No | $0.00 | $120.00 |  | 9.353% | $7298.60 | $7298.60 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26695.31 | 1 | $17433.24 | $1773.00 | $1452.77 | $147.75 |  |  |  |  |  | 35.023% | 35.023% | 35.023% | 03/03/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc |  |  | 6.620% | $7262.86 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $100322.12 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.8 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 520319549 |  |  |  | Non QM |  |  |  | Yes | No | $2225.25 | $3128.29 |  | 7.299% | $3751.97 | $3751.97 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $136515.30 | 1 | $4583.88 | $2151.00 | $381.99 | $179.25 |  |  |  |  |  | 4.892% | 4.892% | 4.892% | 03/04/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 72.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 72.50% \| 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: 72.50% \| 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: 72.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 72.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 72.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 72.50% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2225.25 |  | 6.620% | $0.00 | 2.7 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $409778.52 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.48 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500992086 |  |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $4613.70 |  | 7.015% | $12277.53 | $12277.53 | 7.000% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $129902.32 | 1 | $23067.60 | $1415.04 | $1922.30 | $117.92 |  |  |  |  |  | 23.678% | 23.678% | 23.678% |  | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1419.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1055988.75 | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.6 | Retail | Yes | No |  | $170203.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 549749254 |  |  |  | Non QM |  |  |  | Yes | No | $1920.00 | $3556.02 |  | 8.292% | $6385.77 | $6385.77 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27553.86 | 3 | $17326.68 | $3459.96 | $1443.89 | $288.33 |  |  |  |  |  | 24.090% | 24.090% | 24.090% | 02/11/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1920.00 |  | 6.620% | $70267.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $4184.98 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540391500 |  |  |  | Non QM |  |  |  | Yes | No | $1299.00 | $4975.81 |  | 8.809% | $3241.21 | $3241.21 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62045.75 | 2 | $13218.84 | $4260.00 | $1101.57 | $355.00 |  |  |  |  |  | 9.736% | 9.736% | 9.736% | 03/10/2025 | 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: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1299.00 |  | 6.660% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $112108.41 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.72 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 567992645 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $6696.10 |  | 6.823% | $3372.71 | $3372.71 | 6.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11882.48 | 1 | $9433.80 | $1383.96 | $786.15 | $115.33 |  |  |  |  |  | 27.064% | 27.064% | 27.064% |  | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.620% | $0.00 | 3.7 |  |  |  | N/A | No | 6.750% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1383387.35 | 100.000% | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 198.29 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569127250 |  |  |  | Non QM |  |  |  | Yes | No | $1774.50 | $174.80 |  | 7.090% | $2054.84 | $2054.84 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5766.94 | 1 | $4709.64 | $1584.00 | $392.47 | $132.00 |  |  |  |  |  | 49.195% | 49.195% | 49.195% | 04/07/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1774.50 |  | 6.650% | $17000.00 | 1.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $200590.60 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.51 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518809895 |  |  |  | Non QM |  |  |  | Yes | No | $3181.40 | $12744.27 |  | 7.546% | $4420.32 | $4420.32 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10170.43 | 1 | $3025.68 | $2624.04 | $252.14 | $218.67 |  |  |  |  |  | 32.744% | 32.744% | 32.744% | 03/03/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3181.40 |  | 6.620% | $0.00 | 4.6 |  |  |  | N/A | No | 7.375% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 2.57 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 23.16 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598462142 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $9753.13 |  | 6.889% | $11430.56 | $11430.56 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47840.62 | 1 | $16698.36 | $3069.96 | $1391.53 | $255.83 |  |  |  |  |  | 32.360% | 32.360% | 32.360% | 03/05/2025 | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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 |  |  | Guaranteed Rate | $1640.00 |  | 6.620% | $0.00 | 999 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.14 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 588717929 |  |  |  | Non QM |  |  |  | Yes | No | $4235.93 | $8140.13 |  | 7.986% | $2186.85 | $2186.85 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $20376.90 | 1 | $4835.04 | $795.96 | $402.92 | $66.33 |  |  |  |  |  | 17.775% | 17.775% | 17.775% |  | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4235.93 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 |  |  | No | 23.25 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541305662 |  |  |  | Non QM |  |  |  | Yes | No | $18156.60 | $23486.64 |  | 8.130% | $6364.14 | $6364.14 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27098.85 | 1 | $13770.12 | $2261.04 | $1147.51 | $188.42 |  |  |  |  |  | 25.803% | 25.803% | 25.803% | 01/21/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; Balance Sheet - 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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18156.60 |  | 6.650% | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 3 | 1 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $148725.27 | 14.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570865925 |  |  |  | Non QM |  |  |  | Yes | No | $4941.40 | $6337.27 |  | 8.077% | $2082.40 | $2082.40 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8228.26 | 1 | $2086.44 | $1361.64 | $173.87 | $113.47 |  |  |  |  |  | 34.174% | 34.174% | 34.174% | 03/12/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4941.40 |  | 6.040% | $9000.00 | 1 |  |  |  | N/A | No | 7.875% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $184705.42 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519393645 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8370.11 | $8384.15 |  | 6.810% | $8918.36 | $8918.36 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $628641.97 | 1 | $18439.92 | $4569.96 | $1536.66 | $380.83 |  |  |  |  |  | 2.183% | 2.183% | 2.183% | 04/04/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8370.11 |  | 6.650% | $0.00 | 4.7 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $348174.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 505596222 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15034.00 | $309.35 |  | 6.877% | $11167.79 | $11167.79 | 6.875% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32350.10 | 1 | $9657.84 | $3581.04 | $804.82 | $298.42 |  |  |  |  |  | 35.624% | 35.624% | 35.624% |  | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15034.00 |  | 6.650% | $0.00 | 4.2 |  |  |  | N/A | No | 6.875% | 0 | 1 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $483419.72 |  | 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 | 36.86 |  | No | No |  | $0.00 | $10217.22 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 542961634 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17971.06 | $18146.18 |  | 7.127% | $4857.99 | $4857.99 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $76897.08 | 1 | $8129.04 | $4011.00 | $677.42 | $334.25 |  |  |  |  |  | 10.500% | 10.500% | 10.500% | 03/18/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  | Arc | $17971.06 |  | 6.650% | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $16430.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568729087 |  |  |  | Non QM |  |  |  | Yes | No | $13814.83 | $15054.11 |  | 7.480% | $2984.57 | $2984.57 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10406.10 | 1 | $5642.04 | $2866.08 | $470.17 | $238.84 |  |  |  |  |  | 36.713% | 36.713% | 36.713% | 02/23/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; 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: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13814.83 |  | 6.650% | $0.00 | 1.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564158798 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1952.95 | $1952.95 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5641.68 | $2130.00 | $470.14 | $177.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.26 | 0.44 |  |  |  |  |  |  |  | 05/01/2055 | $37251.21 |  | 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 | 126.96 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589378580 |  |  |  | Non QM |  |  |  | Yes | No | $16293.75 | $18241.43 |  | 8.212% | $4296.04 | $4296.04 | 7.875% | No | No | Employed | Employed | Employed |  | 2.63 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $8551.67 | 1 | $13110.60 | $1458.00 | $1092.55 | $121.50 |  |  |  |  |  | 49.500% | 49.500% | 49.500% | 04/17/2025 | 727 | 677 | 717 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $16293.75 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $78746.49 |  | No |  | 25 | 25 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 17.6 |  | No | No |  | $0.00 | $11853.14 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513881721 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10437.50 | $10522.38 |  | 7.594% | $3529.35 | $3529.35 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11031.49 | 1 | $1704.00 | $3090.00 | $142.00 | $257.50 |  |  |  |  |  | 29.146% | 29.146% | 29.146% | 02/24/2025 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10437.50 |  | 6.660% | $0.00 | 2.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $26891.88 |  | 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 | 70.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 557657698 |  |  |  | Non QM |  |  |  | Yes | No | $13870.00 | $1495.00 |  | 7.540% | $3146.47 | $3146.47 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22199.49 | 1 | $4396.80 | $1681.44 | $366.40 | $140.12 |  |  |  |  |  | 26.363% | 26.363% | 26.363% |  | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 1.000% | 99.000% |  | [Borrower - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Shared Bank Statements]; CPA Letter - 2018<br> [Borrower - \| Primary Income - Shared Bank Statements]; Other - 2018<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2018<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<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 |  |  | Arc | $13870.00 |  | 6.660% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 90.63 |  | No | No |  | $29845.80 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 538647553 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3532.31 | $3532.31 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $6276.96 | $1828.92 | $523.08 | $152.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 06/01/2055 | $384142.65 | 51.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.47 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 584770124 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10269.00 | $15169.04 |  | 6.728% | $6575.35 | $6575.35 | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29511.78 | 1 | $7645.56 | $9105.00 | $637.13 | $758.75 |  |  |  |  |  | 44.301% | 44.301% | 44.301% |  | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Personal | 67.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2006<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10269.00 |  | 6.650% | $0.00 | 3.4 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | 06/01/2055 | $850464.35 |  | 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 | 132.46 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597944510 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $34526.25 | $45307.65 |  | 7.133% | $17580.62 | $17580.62 | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $71884.97 | 1 | $14274.84 | $7880.04 | $1189.57 | $656.67 |  |  |  |  |  | 23.813% | 23.813% | 23.813% | 03/18/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $34526.25 |  | 6.650% | $0.00 | 2.3 |  |  |  | N/A | No | 7.000% | 3 | 3 | 2 | 0 | 6 | 2 |  |  | 14.93 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 |  |  | 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 | 18.57 |  |  | No |  | $32956.89 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 590116665 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2721.32 | $2721.32 | 6.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $13236.48 | $2973.96 | $1103.04 | $247.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 101.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 529066542 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2705.31 | $2705.31 | 6.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $16967.64 | $2654.04 | $1413.97 | $221.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 94.57 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 553094714 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26331.80 | $34097.29 |  | 7.156% | $11431.65 | $11431.65 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54325.59 | 1 | $11349.24 | $1328.04 | $945.77 | $110.67 |  |  |  |  |  | 18.691% | 18.691% | 18.691% | 04/28/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $26331.80 |  | 6.800% | $0.00 | 4.1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $668828.67 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 599271210 |  |  |  | Non QM |  |  |  | Yes | No | $3314.92 | $1790.44 |  | 7.782% | $2926.09 | $2926.09 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Romania |  |  |  | $19559.15 | 1 | $8784.00 | $1187.88 | $732.00 | $98.99 |  |  |  |  |  | 16.621% | 16.621% | 16.621% | 03/19/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Other - 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]; Other - 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]; Third Party Verification - 2016<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 - 2016 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3314.92 |  | 6.620% | $20000.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $125791.95 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 8.7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 510587791 |  |  |  | Non QM |  |  |  | Yes | No | $16645.00 | $19647.23 |  | 7.418% | $4008.63 | $4008.63 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8278.36 | 1 | $8733.96 | $2403.00 | $727.83 | $200.25 |  |  |  |  |  | 44.896% | 44.896% | 44.896% | 02/06/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 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]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 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 |  |  | Arc | $16645.00 |  | 6.660% | $0.00 | 5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $6837.24 |  | 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 | 24.42 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570888222 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $14251.28 |  | 6.876% | $17342.92 | $17342.92 | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29224.71 | 1 | $38181.36 | $3981.96 | $3181.78 | $331.83 |  |  |  |  |  | 41.797% | 41.797% | 41.797% | 03/13/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.620% | $17575.00 | 2.6 |  |  |  | N/A | No | 6.875% | 3 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $2323048.94 | 70.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 776.03 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560098274 |  |  |  | Non QM |  |  |  | Yes | No | $12204.20 | $15082.13 |  | 7.473% | $3956.62 | $3956.62 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $99600.01 | 1 | $11871.36 | $1098.96 | $989.28 | $91.58 |  |  |  |  |  | 14.772% | 14.772% | 14.772% | 01/22/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<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]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12204.20 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $422481.71 | 48.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.32 | Retail | No | No |  | $58431.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546706989 |  |  |  | Non QM |  |  |  | Yes | No | $9910.50 | $13086.40 |  | 6.978% | $3155.43 | $3155.43 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24318.39 | 1 | $4845.84 | $9760.08 | $403.82 | $813.34 |  |  |  |  |  | 18.855% | 18.855% | 18.855% | 03/12/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | Guaranteed Rate | $9910.50 |  | 6.650% | $2000.00 | 1.9 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $305135.87 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.37 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 556413203 |  |  |  | Non QM |  |  |  | Yes | No | $9424.00 | $476.89 |  | 7.730% | $3227.37 | $3227.37 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4623.24 | 1 | $9788.76 | $912.00 | $815.73 | $76.00 |  |  |  |  |  | 47.578% | 47.578% | 47.578% | 03/26/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 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 - Personal - 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]; 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]; Expense 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]; 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]; Other - 2024<br> [Borrower - \| Non-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 - Personal - 2025<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 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 |  |  | Arc | $9424.00 |  | 6.650% | $20000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $75535.10 | 14.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.32 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 508940571 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $4797.15 |  | 6.901% | $5748.13 | $5748.13 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57730.30 | 1 | $7307.28 | $2480.04 | $608.94 | $206.67 |  |  |  |  |  | 16.273% | 16.273% | 16.273% | 03/11/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.620% | $600.00 | 1.9 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $244092.43 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 227.22 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514723039 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $21762.39 |  | 7.663% | $22703.45 | $25239.00 | 8.084% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3008048.66 | 1 | $28717.20 | $12843.96 | $2393.10 | $1070.33 |  |  |  |  |  | 3.838% | 3.893% | 3.838% | 03/25/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.780% | $0.00 | 2.2 |  |  |  | N/A | No | 8.084% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $11421075.50 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 323.9 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 541264385 |  |  |  | Non QM |  |  |  | Yes | No | $8721.17 | $6768.78 |  | 8.580% | $2358.12 | $2358.12 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6171.51 | 1 | $2158.92 | $1242.00 | $179.91 | $103.50 |  |  |  |  |  | 44.406% | 44.406% | 44.406% | 03/12/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | New American Funding | $8721.17 |  | 6.620% | $9000.00 | 4.4 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $234117.96 | 64.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.07 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 519338637 |  |  |  | Non QM |  |  |  | Yes | No | $15972.00 | $8349.30 |  | 8.354% | $5267.13 | $5267.13 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18808.22 | 1 | $9128.04 | $1757.04 | $760.67 | $146.42 |  |  |  |  |  | 29.957% | 29.957% | 29.957% | 01/14/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [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 |  |  | Arc | $15972.00 |  | 6.620% | $20000.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $306100.41 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.52 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 547609826 |  |  |  | Non QM |  |  |  | Yes | No | $17036.20 | $17718.34 |  | 7.278% | $2890.49 | $2890.49 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5291.04 | 1 | $9777.12 | $1548.00 | $814.76 | $129.00 |  |  |  |  |  | 46.519% | 46.519% | 46.519% | 03/17/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; 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: 24]; Expense 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: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; 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: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17036.20 |  | 6.620% | $0.00 | 3.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.38 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 586401891 |  |  |  | Non QM |  |  |  | Yes | No | $7079.65 | $8198.09 |  | 8.165% | $2137.14 | $2137.14 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5083.34 | 1 | $5682.84 | $6592.80 | $473.57 | $549.40 |  |  |  |  |  | 48.045% | 48.045% | 48.045% | 03/14/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense 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]; 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]; 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7079.65 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1840.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.27 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529299879 |  |  |  | Non QM |  |  |  | Yes | No | $5050.00 | $8967.59 |  | 7.726% | $4112.28 | $4112.28 | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $94028.47 | 1 | $17469.48 | $2853.96 | $1455.79 | $237.83 |  |  |  |  |  | 24.643% | 24.643% | 24.643% | 03/15/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5050.00 |  | 6.650% | $3000.00 | 1 |  |  |  | N/A | No | 7.625% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $842844.07 | 100.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.45 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548420303 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1415.59 | $1415.59 | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $11058.12 | $722.04 | $921.51 | $60.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.21 | 0.45 |  |  |  |  |  |  |  | 05/01/2055 | $2069995.69 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 596.4 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582514457 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2123.54 | $2123.54 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $13998.84 | $615.00 | $1166.57 | $51.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | 05/01/2055 | $306105.31 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.69 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 517534781 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3999.03 | $3999.03 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $14126.64 | $2505.96 | $1177.22 | $208.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 | 68.77 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551637300 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2766.46 | $2766.46 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | $18403.56 | $4365.96 | $1533.63 | $363.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2040 |  |  | 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 | 11.82 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584113688 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4614.78 | $4614.78 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5473.44 | $6746.04 | $456.12 | $562.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 05/01/2055 | $52399.81 |  | 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 | 9.3 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 529653148 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2054.84 | $2054.84 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10002.84 | $2318.52 | $833.57 | $193.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | 05/01/2055 | $10021.82 |  | 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 | 36.06 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 523922197 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4618.35 | $4618.35 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $9625.68 | $1875.96 | $802.14 | $156.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $499749.77 | 57.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.41 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 599277913 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3151.04 | $3151.04 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $11391.12 | $1779.00 | $949.26 | $148.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | 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 | 37.17 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 518591922 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2791.95 | $2791.95 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7023.00 | $2901.00 | $585.25 | $241.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 05/01/2055 | $60125.34 |  | 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 | 78.4 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598111134 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1393.47 | $1393.47 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5608.56 | $1743.00 | $467.38 | $145.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/13/2024 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | 02/01/2065 | $3500.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.8 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 565453857 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1900.56 | $1900.56 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5178.48 | $636.96 | $431.54 | $53.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/19/2024 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 03/01/2055 | $135413.02 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 168.74 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 572172774 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1002.84 | $1002.84 | 6.999% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2323.56 | $1046.40 | $193.63 | $87.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 773 | 671 | 637 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 54.79 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 532021191 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1718.31 | $1718.31 | 9.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $923.76 | $975.96 | $76.98 | $81.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 | $62585.31 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.63 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 509666453 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2624.63 | $2624.63 | 6.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $14436.84 | $2483.04 | $1203.07 | $206.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/04/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.14 | 0.47 |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 107.07 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 576222827 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1669.92 | $1669.92 | 7.125% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $5131.68 | $1179.00 | $427.64 | $98.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 04/01/2055 | $210306.78 | 56.000% | 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 |  |  |  |  |  |  |  |  | 45.55 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569144971 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1678.11 | $1678.11 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4174.44 | $846.96 | $347.87 | $70.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/08/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 04/01/2055 | $10000.00 | 3.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.67 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 505697337 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2989.03 | $2989.03 | 6.875% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | $10537.80 | $627.00 | $878.15 | $52.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 04/01/2055 | $884707.37 | 97.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.52 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593689491 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1100.54 | $1100.54 | 7.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2809.68 | $1535.28 | $234.14 | $127.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 | $1535.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 80.89 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 570715414 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4140.00 | $4140.00 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $14290.56 | $2534.16 | $1190.88 | $211.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.46 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 542399855 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $12279.17 | $12279.17 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $51249.96 | $21801.96 | $4270.83 | $1816.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 04/01/2055 | $2352462.37 | 57.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.64 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 560184284 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $7747.76 | $7747.76 | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $35625.00 | $8310.00 | $2968.75 | $692.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 | $1864612.89 | 65.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.73 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 595584178 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1826.84 | $1826.84 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4637.52 | $1334.16 | $386.46 | $111.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2024 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $564411.20 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 191.13 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550879903 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1531.33 | $1531.33 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2161.32 | $1121.04 | $180.11 | $93.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.31 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 565382390 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2318.73 | $2318.73 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $7124.88 | $4029.96 | $593.74 | $335.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | 05/01/2055 | $2273465.67 | 100.000% | 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 |  |  |  |  |  |  |  |  | 678.2 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 549158452 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4086.98 | $4086.98 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6507.84 | $2799.00 | $542.32 | $233.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  | 240 | 05/01/2055 | $551558.57 |  | 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 | 245.86 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 555215528 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $8328.29 | $8328.29 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $14184.00 | $5415.60 | $1182.00 | $451.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.37 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 512784602 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1019.89 | $1019.89 | 8.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $861.12 | $641.04 | $71.76 | $53.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/04/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | 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 | 68.55 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 589912918 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2113.47 | $2113.47 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5250.48 | $566.04 | $437.54 | $47.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/13/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 529935271 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $734.13 | $734.13 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $5001.36 | $1178.04 | $416.78 | $98.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.52 |  |  |  |  |  |  |  | 04/01/2055 | $194225.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 153.1 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 576127265 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3645.89 | $3645.89 | 8.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6080.52 | $1254.96 | $506.71 | $104.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | 04/01/2055 | $33501.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.16 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 584018926 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2217.07 | $2217.07 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $7754.52 | $1487.04 | $646.21 | $123.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | 04/01/2055 | $1538499.93 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 426.11 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 530536109 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1128.71 | $1128.71 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $1666.56 | $1789.56 | $138.88 | $149.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/04/2024 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | 04/01/2055 |  |  | 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 | 32.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 501495068 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1389.84 | $1389.84 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $1949.40 | $1127.04 | $162.45 | $93.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 637 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | 04/01/2055 |  |  | 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 | 61.77 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 595741287 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2082.39 | $2082.39 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5149.32 | $2683.68 | $429.11 | $223.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | 04/01/2055 |  |  | 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 | 105.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503447436 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $971.59 | $971.59 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3824.64 | $1824.00 | $318.72 | $152.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.84 |  |  |  |  |  |  |  | 04/01/2055 | $45616.84 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.69 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 581525728 |  |  |  | Non QM |  |  |  | Yes | No | $11246.56 | $13943.67 |  | 7.839% | $2142.82 | $2142.82 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4819.72 | 1 | $9301.92 | $1566.00 | $775.16 | $130.50 |  |  |  |  |  | 48.417% | 48.417% | 48.417% | 02/06/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, 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]; Account Statements - Business - 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-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 - \| Non-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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11246.56 |  | 6.620% | $18750.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $65480.09 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 593892298 |  |  |  | Non QM |  |  |  | Yes | No | $6875.03 | $11283.53 |  | 8.492% | $1834.24 | $1834.24 | 7.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14910.43 | 1 | $7730.52 | $6748.32 | $644.21 | $562.36 |  |  |  |  |  | 26.198% | 26.198% | 26.198% | 01/19/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $6875.03 |  | 6.650% | $0.00 |  |  |  |  | Yes | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 511883449 |  |  |  | Non QM |  |  |  | Yes | No | $19053.38 | $20523.29 |  | 9.615% | $5176.69 | $5176.69 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39936.82 | 1 | $11801.88 | $4461.96 | $983.49 | $371.83 |  |  |  |  |  | 15.808% | 15.808% | 15.808% | 03/18/2025 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $19053.38 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $876340.87 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.3 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582232610 |  |  |  | N/A |  |  |  | No | No | $29701.68 | $13364.63 |  | 8.249% | $4255.43 | $4255.43 | 7.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $73081.98 | 1 | $9062.52 | $1977.60 | $755.21 | $164.80 |  |  |  |  |  | 20.103% | 20.103% | 20.103% | 02/26/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 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 |  |  | ClearEdge Lending | $29701.68 |  | 6.650% | $2750.00 |  |  |  |  | Yes | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $304793.90 | 42.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 133.89 |  | No | No |  | $45734.91 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 585368272 |  |  |  | Non QM |  |  |  | Yes | No | $33249.00 | $47532.25 |  | 7.168% | $13969.94 | $13969.94 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $59816.78 | 1 | $35000.04 | $6416.88 | $2916.67 | $534.74 |  |  |  |  |  | 28.536% | 28.536% | 28.536% | 03/12/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [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 |  |  | ClearEdge Lending | $33249.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $723888.73 | 26.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503344079 |  |  |  | Non QM |  |  |  | Yes | No | $57345.00 | $23691.35 |  | 7.564% | $13285.08 | $13285.08 | 7.500% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $266248.35 | 1 | $7944.48 | $2429.04 | $662.04 | $202.42 |  |  |  |  |  | 9.290% | 9.290% | 9.290% | 03/10/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 60.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| 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: 60.00% \| 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: 60.00% \| 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: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| 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: 60.00% \| 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: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $57345.00 |  | 6.650% | $0.00 | 2.1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $465213.23 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.73 |  | No | No |  | $293516.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 569094138 |  |  |  | Non QM |  |  |  | Yes | No | $16885.00 | $26937.04 |  | 8.006% | $10557.01 | $10557.01 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $77132.79 | 1 | $28666.44 | $1746.96 | $2388.87 | $145.58 |  |  |  |  |  | 16.916% | 16.916% | 16.916% | 12/12/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [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]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024 | [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16885.00 |  | 6.650% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $497965.55 | 27.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 526089832 |  |  |  | N/A |  |  |  | No | No | $52147.81 | $13262.27 |  | 8.577% | $5387.01 | $5387.01 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $617685.60 | 1 | $17485.80 | $1596.96 | $1457.15 | $133.08 |  |  |  |  |  | 6.929% | 6.929% | 6.929% | 02/28/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 70.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| 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: 70.00% \| 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: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $52147.81 |  | 6.650% | $0.00 | 1.1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.93 |  |  | No |  | $663668.69 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 582432894 |  |  |  | Non QM |  |  |  | Yes | No | $26449.00 | $27497.33 |  | 7.393% | $7006.67 | $7006.67 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22528.07 | 1 | $25749.24 | $9407.76 | $2145.77 | $783.98 |  |  |  |  |  | 35.323% | 35.323% | 35.323% | 02/07/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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 - 2012<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]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $26449.00 |  | 6.620% | $20000.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $70000.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.31 |  | No | No |  | $16184.74 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 512061895 |  |  |  | N/A |  |  |  | No | No | $14498.85 | $15466.63 |  | 7.680% | $2564.95 | $2564.95 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $70732.81 | 1 | $8639.88 | $606.00 | $719.99 | $50.50 |  |  |  |  |  | 9.982% | 9.982% | 9.982% | 03/07/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $14498.85 |  | 6.620% | $12500.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $478603.40 | 83.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 196.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566016653 |  |  |  | N/A |  |  |  | No | No | $4590.00 | $5910.57 |  | 7.329% | $1224.16 | $1224.16 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4558.62 | 1 | $4550.04 | $879.00 | $379.17 | $73.25 |  |  |  |  |  | 49.917% | 49.917% | 49.917% | 03/07/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $4590.00 |  | 6.650% | $4000.00 | 1 |  |  |  | N/A | No | 7.000% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $114446.08 | 31.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537297939 |  |  |  | N/A |  |  |  | No | No | $11798.60 | $6552.49 |  | 7.939% | $1954.37 | $1954.37 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32079.99 | 1 | $1891.08 | $3765.00 | $157.59 | $313.75 |  |  |  |  |  | 23.516% | 23.516% | 23.516% | 02/07/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11798.60 |  | 6.650% | $2000.00 | 1.1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $82034.46 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595854288 |  |  |  | Non QM |  |  |  | Yes | No | $22156.50 | $32532.02 |  | 7.266% | $6745.49 | $6745.49 | 6.999% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26345.72 | 1 | $19500.00 | $3096.00 | $1625.00 | $258.00 |  |  |  |  |  | 42.020% | 42.020% | 42.020% | 03/10/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $22156.50 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $4417064.23 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 420.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577600964 |  |  |  | Non QM |  |  |  | Yes | No | $18212.75 | $24909.28 |  | 7.176% | $7483.90 | $7483.90 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19622.11 | 1 | $15241.56 | $3639.96 | $1270.13 | $303.33 |  |  |  |  |  | 31.731% | 31.731% | 31.731% | 01/28/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $18212.75 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 2 | 0 | 2 | 2 |  |  | 14.80 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | 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 | 15.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 554974260 |  |  |  | Non QM |  |  |  | Yes | No | $8469.00 | $15015.99 |  | 8.809% | $5226.75 | $5226.75 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29832.01 | 1 | $697.08 | $7914.00 | $58.09 | $659.50 |  |  |  |  |  | 21.364% | 21.364% | 21.364% | 03/18/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8469.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 539661201 |  |  |  | Non QM |  |  |  | Yes | No | $16172.88 | $18689.09 |  | 8.004% | $2521.35 | $2521.35 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6940.41 | 1 | $5750.04 | $1855.44 | $479.17 | $154.62 |  |  |  |  |  | 49.103% | 49.103% | 49.103% | 02/17/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16172.88 |  | 6.650% | $27095.82 | 2.2 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $103445.96 | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 17.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579689574 |  |  |  | Non QM |  |  |  | Yes | No | $7209.94 | $10138.00 |  | 9.097% | $1662.53 | $1662.53 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8676.70 | 1 | $2148.96 | $1743.96 | $179.08 | $145.33 |  |  |  |  |  | 38.163% | 38.163% | 38.163% | 02/10/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $7209.94 |  | 6.650% | $90900.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $18664.60 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535390728 |  |  |  | Non QM |  |  |  | Yes | No | $6718.80 | $10708.29 |  | 7.192% | $2979.72 | $2979.72 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13133.32 | 1 | $12203.64 | $2840.04 | $1016.97 | $236.67 |  |  |  |  |  | 46.906% | 46.906% | 46.906% | 02/27/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 94.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $6718.80 |  | 6.650% | $0.00 | 1.9 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $133807.23 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.26 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 515452873 |  |  |  | N/A |  |  |  | No | No | $8734.00 | $8585.50 |  | 8.780% | $1550.55 | $1550.55 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $119624.54 | 1 | $3187.56 | $933.84 | $265.63 | $77.82 |  |  |  |  |  | 14.972% | 14.972% | 14.972% | 03/14/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| 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: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| 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 |  |  | ClearEdge Lending | $8734.00 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $5000.00 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513067317 |  |  |  | Non QM |  |  |  | Yes | No | $11324.00 | $16685.10 |  | 7.265% | $3512.44 | $3512.44 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19140.22 | 1 | $8250.00 | $1769.04 | $687.50 | $147.42 |  |  |  |  |  | 20.828% | 20.828% | 20.828% | 03/18/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11324.00 |  | 6.650% | $3000.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $222556.09 | 34.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550179274 |  |  |  | Non QM |  |  |  | Yes | No | $31548.00 | $47294.48 |  | 7.224% | $11327.63 | $11327.63 | 6.999% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43166.08 | 1 | $26606.28 | $1829.04 | $2217.19 | $152.42 |  |  |  |  |  | 34.846% | 34.846% | 34.846% | 01/30/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65.000% | 35.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| 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: 35.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $31548.00 |  | 6.620% | $10750.00 | 1.4 |  |  |  | N/A | No | 6.999% | 0 | 1 | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1315948.40 | 62.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 63.51 |  | Yes | No |  | $0.00 | $23366.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 572400891 |  |  |  | Non QM |  |  |  | Yes | No | $14349.00 | $21552.25 |  | 6.876% | $8172.34 | $8172.34 | 6.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18969.33 | 1 | $7719.84 | $6485.52 | $643.32 | $540.46 |  |  |  |  |  | 41.116% | 41.116% | 41.116% | 03/17/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $14349.00 |  | 6.620% | $0.00 |  |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $2438888.38 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 224.62 |  | No | No |  | $25299.87 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525251039 |  |  |  | Non QM |  |  |  | Yes | No | $31529.00 | $44617.71 |  | 8.070% | $8684.59 | $12765.55 | 8.334% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28254.99 | 1 | $27362.52 | $7535.04 | $2280.21 | $627.92 |  |  |  |  |  | 37.246% | 33.694% | 37.246% | 03/12/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $31529.00 |  | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 8.334% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  | 240 | 05/01/2055 | $3442547.04 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 231.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503137279 |  |  |  | Non QM |  |  |  | Yes | No | $23940.88 | $33846.04 |  | 7.181% | $7695.98 | $8777.78 | 6.999% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18910.07 | 1 | $21359.88 | $5136.12 | $1779.99 | $428.01 |  |  |  |  |  | 38.406% | 34.882% | 38.406% | 03/17/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Trust Income]; Trust Agreement - 2012 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23940.88 |  | 6.620% | $15000.00 | 1.8 |  |  |  | N/A | No | 6.999% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 05/01/2065 | $750672.98 | 37.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.75 |  | No | No |  | $12387.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597494712 |  |  |  | Non QM |  |  |  | Yes | No | $23589.00 | $32687.00 |  | 6.946% | $9443.59 | $9443.59 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21056.23 | 1 | $22749.96 | $4044.72 | $1895.83 | $337.06 |  |  |  |  |  | 35.749% | 35.749% | 35.749% | 12/02/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23589.00 |  | 6.620% | $5000.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $271321.87 | 15.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501377141 |  |  |  | Non QM |  |  |  | Yes | No | $16869.00 | $4762.00 |  | 8.540% | $5812.99 | $5812.99 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13506.35 | 1 | $5793.12 | $2374.80 | $482.76 | $197.90 |  |  |  |  |  | 32.468% | 32.468% | 32.468% | 02/14/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 2023<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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16869.00 |  | 6.620% | $0.00 | 1.1 | DU |  | ApproveEligible | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $10000.00 | 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 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540269767 |  |  |  | Non QM |  |  |  | Yes | No | $28499.00 | $33751.21 |  | 6.608% | $8110.31 | $8110.31 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $50040.90 | 1 | $19573.20 | $1802.04 | $1631.10 | $150.17 |  |  |  |  |  | 18.080% | 18.080% | 18.080% | 02/24/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $28499.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $45480.08 |  | 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 | 14.81 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530062363 |  |  |  | Non QM |  |  |  | Yes | No | $36811.50 | $44163.63 |  | 8.943% | $9468.37 | $9468.37 | 8.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22670.86 | 1 | $18750.00 | $3478.80 | $1562.50 | $289.90 |  |  |  |  |  | 47.734% | 47.734% | 47.734% | 02/18/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Personal, Business | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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: % \| 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: % \| 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: % \| 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: % \| 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: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 |  |  | ClearEdge Lending | $36811.50 |  | 6.620% | $35000.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2065 | $403412.37 | 27.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.54 |  | No | No |  | $40911.36 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576044790 |  |  |  | Non QM |  |  |  | Yes | No | $7865.63 | $10418.11 |  | 9.124% | $3347.68 | $3347.68 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5947.94 | 1 | $3226.56 | $2781.00 | $268.88 | $231.75 |  |  |  |  |  | 39.284% | 39.284% | 39.284% | 03/07/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $7865.63 |  | 6.620% | $3000.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $23251.71 | 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 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560274716 |  |  |  | Non QM |  |  |  | Yes | No | $6587.81 | $8846.21 |  | 7.692% | $1838.92 | $1838.92 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9504.14 | 1 | $4134.72 | $2514.48 | $344.56 | $209.54 |  |  |  |  |  | 30.968% | 30.968% | 30.968% | 03/07/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<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 - 2015<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $6587.81 |  | 6.620% | $14976.89 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $2037.67 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537555562 |  |  |  | Non QM |  |  |  | Yes | No | $15886.65 | $18899.23 |  | 6.728% | $3441.75 | $4016.16 | 6.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6573.53 | 1 | $9050.76 | $1157.04 | $754.23 | $96.42 |  |  |  |  |  | 45.167% | 40.375% | 45.167% | 03/17/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 3.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2002<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 - 2002<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | ClearEdge Lending | $15886.65 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 04/01/2065 | $28629.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.59 |  |  | No |  | $361.25 | $8258.55 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537505780 |  |  |  | Non QM |  |  |  | Yes | No | $8701.00 | $10798.42 |  | 7.683% | $2400.79 | $2400.79 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32395.02 | 1 | $7144.44 | $1044.00 | $595.37 | $87.00 |  |  |  |  |  | 29.952% | 29.952% | 29.952% | 03/10/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 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 |  |  | ClearEdge Lending | $8701.00 |  | 6.620% | $0.00 | 2 | DU |  | ApproveEligible | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $10000.00 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.78 |  | No | No |  | $23123.36 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536096869 |  |  |  | Non QM |  |  |  | Yes | No | $48149.00 | $17251.83 |  | 7.247% | $8623.60 | $8623.60 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $74124.98 | 1 | $17819.16 | $8646.96 | $1484.93 | $720.58 |  |  |  |  |  | 21.120% | 21.120% | 21.120% | 02/19/2025 | 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]; 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $48149.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $597827.93 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.78 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 590241191 |  |  |  | Non QM |  |  |  | Yes | No | $11144.00 | $15049.52 |  | 7.375% | $2660.94 | $2660.94 | 6.999% | No | Yes | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14196.57 | 1 | $7125.00 | $1590.96 | $593.75 | $132.58 |  |  |  |  |  | 29.458% | 29.458% | 29.458% | 02/20/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11144.00 |  | 6.620% | $0.00 |  |  |  |  | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 04/01/2055 | $1254397.26 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 274.44 |  | No | No |  | $20125.02 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540644555 |  |  |  | Non QM |  |  |  | Yes | No | $38143.98 | $42525.09 |  | 7.442% | $12083.33 | $15807.51 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62820.29 | 1 | $26569.80 | $9283.92 | $2214.15 | $773.66 |  |  |  |  |  | 27.480% | 23.181% | 27.480% | 03/10/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | 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]; 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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 77.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 77.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 77.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 77.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $38143.98 |  | 6.620% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $85814.77 |  | 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 | 42.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 515792012 |  |  |  | Non QM |  |  |  | Yes | No | $28469.00 | $16187.98 |  | 7.204% | $4150.68 | $4150.68 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5074.55 | 1 | $5325.48 | $1446.00 | $443.79 | $120.50 |  |  |  |  |  | 49.702% | 49.702% | 49.702% | 01/13/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $28469.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2065 | $276132.06 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516993973 |  |  |  | Non QM |  |  |  | Yes | No | $7533.65 | $7983.05 |  | 8.756% | $1718.52 | $1718.52 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7799.13 | 1 | $4400.40 | $1623.96 | $366.70 | $135.33 |  |  |  |  |  | 27.948% | 27.948% | 27.948% | 02/12/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $7533.65 |  | 6.620% | $7980.00 |  |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $67438.43 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583953288 |  |  |  | Non QM |  |  |  | Yes | No | $150.00 | $7598.96 |  | 7.961% | $6436.25 | $6644.61 | 8.084% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29875.90 | 1 | $18427.92 | $2622.48 | $1535.66 | $218.54 |  |  |  |  |  | 32.266% | 31.794% | 32.266% | 03/12/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $150.00 |  | 6.680% | $0.00 | 1 |  |  |  | N/A | No | 8.084% | 0 | 2 | 3 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $501476.17 | 45.000% | No |  | 27 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.14 | Retail | Yes | No |  | $6709.31 | $30689.07 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 518718019 |  |  |  | Non QM |  |  |  | Yes | No | $5775.00 | $7199.74 |  | 7.637% | $1933.89 | $1933.89 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4681.50 | 1 | $7189.80 | $7152.96 | $599.15 | $596.08 |  |  |  |  |  | 42.857% | 42.857% | 42.857% | 02/20/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; 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: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5775.00 |  | 6.620% | $0.00 | 2.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | 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 | 11.04 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514270380 |  |  |  | Non QM |  |  |  | Yes | No | $11131.92 | $16771.99 |  | 8.603% | $5198.89 | $5198.89 | 8.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $64220.90 | 1 | $11799.00 | $2246.16 | $983.25 | $187.18 |  |  |  |  |  | 10.176% | 10.176% | 10.176% | 03/26/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11131.92 |  | 6.660% | $15000.00 | 1 |  |  |  | N/A | No | 8.375% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $678211.33 | 79.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.24 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565144759 |  |  |  | Non QM |  |  |  | Yes | No | $3760.00 | $1458.44 |  | 7.250% | $16535.95 | $16535.95 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20704.16 | 1 | $37028.52 | $4458.00 | $3085.71 | $371.50 |  |  |  |  |  | 52.096% | 52.096% | 52.096% | 03/11/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $3760.00 |  | 6.700% | $0.00 | 2.3 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1189498.85 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.5 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563241389 |  |  |  | Non QM |  |  |  | Yes | No | $15449.15 | $16690.26 |  | 8.510% | $3445.19 | $3445.19 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18366.90 | 1 | $2145.96 | $3485.04 | $178.83 | $290.42 |  |  |  |  |  | 23.701% | 23.701% | 23.701% | 03/12/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15449.15 |  | 6.660% | $0.00 | 1.8 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $331254.53 | 57.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.77 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533981969 |  |  |  | Non QM |  |  |  | Yes | No | $20053.82 | $4229.61 |  | 7.838% | $3513.94 | $3513.94 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8690.30 | 1 | $8694.36 | $1005.72 | $724.53 | $83.81 |  |  |  |  |  | 35.692% | 35.692% | 35.692% | 02/24/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20053.82 |  | 6.620% | $32699.00 | 1.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 4 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $27250.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO 9 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.81 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546041536 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2219.14 | $2219.14 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5602.44 | $691.08 | $466.87 | $57.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 129.12 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 595618310 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $7361.05 | $7703.78 | 8.100% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | $36000.00 | $6777.00 | $3000.00 | $564.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 8.100% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 05/01/2055 | $173198.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 15.18 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 556472567 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3349.82 | $3349.82 | 7.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $16512.48 | $2208.00 | $1376.04 | $184.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 06/01/2055 |  |  | 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 | 90.25 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 573943242 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2935.73 | $2935.73 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $16216.92 | $10583.28 | $1351.41 | $881.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $100.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.11 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 570145764 |  |  |  | N/A |  |  |  | No | No | $4600.40 |  |  | 7.695% | $1063.16 | $1063.16 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8761.78 | 1 | $3855.00 | $674.04 | $321.25 | $56.17 |  |  |  |  |  | 49.500% | 49.500% | 49.500% | 05/08/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $4600.40 |  | 6.740% | $0.00 | 1.2 |  |  |  | N/A | No | 7.750% | 1 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $713403.85 | 100.000% | No | 17 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 357.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564446847 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2070.54 | $2070.54 | 6.999% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $4367.16 | $1920.96 | $363.93 | $160.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  | 360 | 05/01/2065 | $738163.23 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 206.35 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No |
|  | 522201128 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $9798.60 | $9798.60 | 6.999% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $12078.12 | $10290.12 | $1006.51 | $857.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | 05/01/2055 | $1200485.35 | 50.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.29 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 536588338 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1765.13 | $1765.13 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8220.72 | $1194.96 | $685.06 | $99.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 05/01/2055 | $183184.78 | 53.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 34.74 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No |
|  | 532212565 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6207.98 | $6207.98 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $18698.76 | $7257.00 | $1558.23 | $604.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 | 21.23 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564027501 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1675.17 | $1675.17 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2197.44 | $1382.04 | $183.12 | $115.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 | 122.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 508481091 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6626.12 | $6626.12 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $12259.80 | $13035.96 | $1021.65 | $1086.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 05/01/2055 | $124363.07 | 9.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 5.67 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521673357 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $794.38 | $794.38 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $2191.32 | $2478.36 | $182.61 | $206.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | 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 | 90.51 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 523949996 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1654.91 | $1654.91 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4078.56 | $780.00 | $339.88 | $65.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/04/2024 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | 02/01/2055 | $132070.13 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.43 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 541885942 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1727.58 | $1727.58 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1508.28 | $1416.00 | $125.69 | $118.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 4.8 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.05 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 550203100 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $6118.13 | $6118.13 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6907.44 | $2234.04 | $575.62 | $186.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | 05/01/2055 | $592008.52 | 49.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.3 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504541998 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1265.97 | $1265.97 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2566.32 | $579.00 | $213.86 | $48.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | 04/01/2055 | $4802.58 |  | 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 | 111.19 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 599216482 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1940.00 | $1940.00 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4191.84 | $800.64 | $349.32 | $66.72 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 360 | 05/01/2065 | $0.00 |  | 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 | 13.98 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 530367707 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3188.42 | $3188.42 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6000.12 | $1908.00 | $500.01 | $159.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  |  | 05/01/2055 | $88842.47 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.81 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 595130590 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1036.70 | $1036.70 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $3105.84 | $2352.00 | $258.82 | $196.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 4.97 | 0.2 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.5 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 578253280 |  |  |  | Non QM |  |  |  | Yes | No | $16145.00 | $21762.80 |  | 7.871% | $3775.76 | $3775.76 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10290.35 | 2 | $8437.56 | $2706.00 | $703.13 | $225.50 |  |  |  |  |  | 35.006% | 35.006% | 35.006% | 02/28/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16145.00 |  | 6.650% | $0.00 | 1.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $122535.80 | 18.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 574445741 |  |  |  | Non QM |  |  |  | Yes | No | $23499.00 | $10540.72 |  | 7.106% | $4630.04 | $4630.04 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19942.47 | 1 | $12946.56 | $4647.24 | $1078.88 | $387.27 |  |  |  |  |  | 28.116% | 28.116% | 28.116% | 03/03/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 33.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| 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: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| 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: 33.00% \| 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: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2011 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23499.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 551548955 |  |  |  | Non QM |  |  |  | Yes | No | $13670.00 | $22077.32 |  | 7.626% | $8652.78 | $8652.78 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13364.14 | 2 | $8203.92 | $2249.04 | $683.66 | $187.42 |  |  |  |  |  | 41.850% | 41.850% | 41.850% | 01/20/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [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]; 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]; Other - 2023 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13670.00 |  | 6.650% | $60000.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 | 0.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.86 |  |  | No |  | $19412.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 565066495 |  |  |  | N/A |  |  |  | No | No | $16630.77 | $6221.00 |  | 7.977% | $2761.22 | $3486.73 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13825.07 | 1 | $5889.96 | $806.04 | $490.83 | $67.17 |  |  |  |  |  | 47.379% | 44.618% | 47.379% | 03/06/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16630.77 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $33374.00 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 570872302 |  |  |  | Non QM |  |  |  | Yes | No | $9549.00 | $14056.50 |  | 7.065% | $2529.53 | $2529.53 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3879.63 | 1 | $6500.04 | $2707.44 | $541.67 | $225.62 |  |  |  |  |  | 49.176% | 49.176% | 49.176% | 03/03/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9549.00 |  | 6.620% | $1000.00 |  |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $582114.99 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 111.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576752661 |  |  |  | N/A |  |  |  | No | No | $13694.34 | $10008.79 |  | 7.647% | $1560.48 | $1560.48 | 7.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16109.31 | 1 | $394.56 | $552.96 | $32.88 | $46.08 |  |  |  |  |  | 27.326% | 27.326% | 27.326% | 03/18/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13694.34 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $135800.90 | 45.000% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.93 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568276094 |  |  |  | Non QM |  |  |  | Yes | No | $32744.00 | $40737.25 |  | 7.210% | $8748.75 | $11628.58 | 6.999% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44913.70 | 1 | $22193.76 | $2952.00 | $1849.48 | $246.00 |  |  |  |  |  | 27.668% | 23.030% | 27.668% | 03/14/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $32744.00 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | 05/01/2055 | $5082748.71 |  | 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 | 367.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594407586 |  |  |  | Non QM |  |  |  | Yes | No | $42939.00 | $61481.50 |  | 6.936% | $17122.99 | $17122.99 | 6.750% | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37449.72 | 1 | $41250.00 | $6040.92 | $3437.50 | $503.41 |  |  |  |  |  | 43.006% | 43.006% | 43.006% | 02/27/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trust Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trustee's Statement - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $42939.00 |  | 6.620% | $2000.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1266160.57 | 38.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 25.1 |  | No | No |  | $65708.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529501309 |  |  |  | Non QM |  |  |  | Yes | No | $13999.00 | $20009.25 |  | 6.920% | $6356.26 | $6356.26 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12521.96 | 1 | $26706.60 | $6982.92 | $2225.55 | $581.91 |  |  |  |  |  | 47.064% | 47.064% | 47.064% | 03/12/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13999.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $990824.17 | 70.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.99 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576335718 |  |  |  | Non QM |  |  |  | Yes | No | $23496.00 | $10309.88 |  | 6.949% | $5912.36 | $5912.36 | 6.875% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30963.40 | 1 | $10556.76 | $3545.40 | $879.73 | $295.45 |  |  |  |  |  | 23.035% | 23.035% | 23.035% | 03/11/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23496.00 |  | 6.650% | $767.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $4491333.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 496.13 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548423521 |  |  |  | Non QM |  |  |  | Yes | No | $15975.00 | $19471.25 |  | 7.979% | $5588.02 | $5588.02 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $516620.41 | 1 | $25327.80 | $3063.00 | $2110.65 | $255.25 |  |  |  |  |  | 3.589% | 3.589% | 3.589% | 01/17/2025 | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 |  |  | ClearEdge Lending | $15975.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.4 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577266677 |  |  |  | Non QM |  |  |  | Yes | No | $9449.00 | $13486.00 |  | 7.670% | $3843.75 | $4954.40 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13385.31 | 1 | $9298.92 | $8338.08 | $774.91 | $694.84 |  |  |  |  |  | 35.404% | 30.044% | 35.404% | 03/13/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9449.00 |  | 6.650% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573218252 |  |  |  | Non QM |  |  |  | Yes | No | $13311.75 | $17309.38 |  | 8.101% | $4894.22 | $4894.22 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39765.25 | 1 | $8337.96 | $828.00 | $694.83 | $69.00 |  |  |  |  |  | 20.268% | 20.268% | 20.268% | 03/19/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 45.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| 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: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| 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: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2015<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2005 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13311.75 |  | 6.650% | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $69974.40 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.08 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 572215679 |  |  |  | Non QM |  |  |  | Yes | No | $14645.00 | $19596.55 |  | 7.551% | $4093.06 | $4093.06 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9948.50 | 1 | $8207.16 | $2055.12 | $683.93 | $171.26 |  |  |  |  |  | 39.014% | 39.014% | 39.014% | 02/03/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $14645.00 |  | 6.650% | $15000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $171396.84 | 23.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563069034 |  |  |  | Non QM |  |  |  | Yes | No | $9503.00 | $11709.75 |  | 7.503% | $1506.24 | $1506.24 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $260775.11 | 1 | $3517.80 | $12.96 | $293.15 | $1.08 |  |  |  |  |  | 1.731% | 1.731% | 1.731% | 02/26/2025 | 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]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9503.00 |  | 6.650% | $0.00 | 1.2 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $3000.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 461.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587165095 |  |  |  | Non QM |  |  |  | Yes | No | $18698.93 | $28960.03 |  | 7.295% | $9135.58 | $9135.58 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $217175.48 | 1 | $21187.44 | $1014.96 | $1765.62 | $84.58 |  |  |  |  |  | 7.452% | 7.452% | 7.452% | 03/04/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2021 | [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 |  |  | ClearEdge Lending | $18698.93 |  | 6.620% | $7500.00 | 2.5 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $223967.76 | 13.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.5 |  |  | No |  | $117331.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 583184083 |  |  |  | Non QM |  |  |  | Yes | No | $23169.00 | $12807.00 |  | 8.836% | $4760.07 | $4760.07 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15760.21 | 1 | $12764.64 | $10506.00 | $1063.72 | $875.50 |  |  |  |  |  | 32.388% | 32.388% | 32.388% | 03/11/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23169.00 |  | 6.650% | $32000.00 | 2.4 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $252193.62 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516313510 |  |  |  | Non QM |  |  |  | Yes | No | $30999.00 | $17931.13 |  | 7.045% | $5912.36 | $5912.36 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $61384.38 | 1 | $4161.12 | $5685.96 | $346.76 | $473.83 |  |  |  |  |  | 12.969% | 12.969% | 12.969% | 04/08/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $30999.00 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 | 53.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597360547 |  |  |  | Non QM |  |  |  | Yes | No | $38572.75 | $44560.68 |  | 7.140% | $9881.52 | $9881.52 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33690.46 | 1 | $25803.96 | $12837.00 | $2150.33 | $1069.75 |  |  |  |  |  | 42.081% | 42.081% | 42.081% | 01/30/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 70.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| 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: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $38572.75 |  | 6.650% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | 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 | 18.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577811777 |  |  |  | Non QM |  |  |  | Yes | No | $8769.00 | $16210.62 |  | 7.142% | $1920.93 | $1920.93 | 6.625% | No | No | Self-Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | United Kingdom of Great Britain and Northern Ireland |  |  |  | $30735.80 | 1 | $25546.92 | $5945.04 | $2128.91 | $495.42 |  |  |  |  |  | 14.349% | 14.349% | 14.349% | 03/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 72.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 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]; Paystubs - 2024<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 Transcript - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8769.00 |  | 6.620% | $10000.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $860579.96 | 42.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport |  |  |  |  | 12.47 |  |  | No |  | $0.00 | $10000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561727169 |  |  |  | Non QM |  |  |  | Yes | No | $12937.80 | $15634.30 |  | 6.922% | $3227.17 | $3227.17 | 6.625% | No | Yes | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23082.59 | 1 | $7109.40 | $5201.04 | $592.45 | $433.42 |  |  |  |  |  | 36.193% | 36.193% | 36.193% | 02/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 82.000% |  | 100.000% |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12937.80 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1427723.91 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 302.53 |  | No | No |  | $29573.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 536178909 |  |  |  | Non QM |  |  |  | Yes | No | $10149.00 | $17328.45 |  | 7.452% | $3233.85 | $3233.85 | 7.125% | No | Yes | Self-Employed | Self-Employed | Self-Employed |  | 5.13 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $100942.55 | 1 | $7500.00 | $2785.92 | $625.00 | $232.16 |  |  |  |  |  | 7.887% | 7.887% | 7.887% | 02/26/2025 | 810 | 798 | 808 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% | 30.000% | 35.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| 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: 30.00% \| 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: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| 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: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $10149.00 |  | 6.650% | $9000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $178540.47 | 30.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 9.42 |  | No | No |  | $76398.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 501927797 |  |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12248.20 | $4960.30 |  | 7.307% | $3513.21 | $3513.21 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16828.00 | 1 | $11178.84 | $809.40 | $931.57 | $67.45 |  |  |  |  |  | 29.983% | 29.983% | 29.983% | 03/25/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $12248.20 |  | 6.920% | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 07/01/2055 | $685957.15 | 84.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573492523 |  |  |  | Non QM |  |  |  | Yes | No | $13542.84 | $3677.78 |  | 7.559% | $3034.59 | $3034.59 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6814.04 | 1 | $15464.76 | $2388.36 | $1288.73 | $199.03 |  |  |  |  |  | 43.075% | 43.075% | 43.075% | 04/08/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Other - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13542.84 |  | 6.920% | $0.00 | 2.9 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581720443 |  |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $3202.33 |  | 7.507% | $20906.25 | $26947.09 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $150740.49 | 1 | $38051.76 | $8524.08 | $3170.98 | $710.34 |  |  |  |  |  | 18.063% | 14.780% | 18.063% | 01/28/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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: 12]; Other - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1590.00 |  | 6.650% | $0.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559931490 |  |  |  | Non QM |  |  |  | Yes | No | $7285.88 | $8582.86 |  | 7.955% | $1774.79 | $1774.79 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9717.78 | 1 | $4839.12 | $1743.00 | $403.26 | $145.25 |  |  |  |  |  | 22.188% | 22.188% | 22.188% | 02/03/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7285.88 |  | 6.660% | $6750.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $105519.99 | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.69 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560450967 |  |  |  | Non QM |  |  |  | Yes | No | $8192.54 | $10173.13 |  | 8.220% | $2106.34 | $2106.34 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5518.38 | 1 | $6362.76 | $482.76 | $530.23 | $40.23 |  |  |  |  |  | 40.180% | 40.180% | 40.180% | 01/22/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8192.54 |  | 6.620% | $22400.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 3.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $29024.05 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 10.08 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581766475 |  |  |  | Non QM |  |  |  | Yes | No | $1690.00 | $5589.75 |  | 7.570% | $4614.82 | $4614.82 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16104.52 | 1 | $11971.56 | $1399.68 | $997.63 | $116.64 |  |  |  |  |  | 39.744% | 39.744% | 39.744% | 02/03/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 33.300% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| 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: 33.30% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 33.30% \| 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: 33.30% \| 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]; 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) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1690.00 |  | 6.650% | $0.00 | 3.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $421306.51 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 48.07 | Retail | Yes | No |  | $19372.16 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559209933 |  |  |  | Non QM |  |  |  | Yes | No | $1473.80 | $2485.77 |  | 7.569% | $2517.17 | $2517.17 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23805.52 | 1 | $4560.36 | $1285.20 | $380.03 | $107.10 |  |  |  |  |  | 12.252% | 12.252% | 12.252% | 03/11/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1473.80 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | 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 | 84.22 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550383471 |  |  |  | Non QM |  |  |  | Yes | No | $2542.60 | $5077.55 |  | 7.625% | $1450.42 | $1450.42 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2723.64 | 1 | $6468.60 | $1407.96 | $539.05 | $117.33 |  |  |  |  |  | 44.078% | 44.078% | 44.078% | 04/07/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2542.60 |  | 6.620% | $5000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $98799.54 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.96 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533947644 |  |  |  | Non QM |  |  |  | Yes | No | $8300.00 | $11000.25 |  | 7.890% | $2548.06 | $2548.06 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $120172.12 | 1 | $2455.92 | $3513.00 | $204.66 | $292.75 |  |  |  |  |  | 4.852% | 4.852% | 4.852% | 04/08/2025 | 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 - 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 |  |  | Guaranteed Rate | $8300.00 |  | 6.620% | $0.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $5000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.24 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 581674773 |  |  |  | Non QM |  |  |  | Yes | No | $5221.38 | $8502.14 |  | 7.522% | $3080.41 | $3080.41 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3621.92 | 1 | $3491.04 | $2997.00 | $290.92 | $249.75 |  |  |  |  |  | 49.994% | 49.994% | 49.994% | 04/02/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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]; Third Party Verification - 2004 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $5221.38 |  | 6.620% | $0.00 | 4.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $152438.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.1 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 574745776 |  |  |  | Non QM |  |  |  | Yes | No | $2510.00 | $6636.32 |  | 7.151% | $6063.47 | $6063.47 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16972.52 | 1 | $30766.68 | $1549.92 | $2563.89 | $129.16 |  |  |  |  |  | 43.425% | 43.425% | 43.425% | 04/08/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2510.00 |  | 6.620% | $0.00 | 4 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $334961.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.3 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 564003731 |  |  |  | Non QM |  |  |  | Yes | No | $34265.00 | $40935.00 |  | 8.220% | $7885.13 | $7885.13 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22592.19 | 1 | $7217.16 | $4456.80 | $601.43 | $371.40 |  |  |  |  |  | 28.759% | 28.759% | 28.759% | 04/08/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $34265.00 |  | 6.700% | $0.00 | 2.5 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $25000.00 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.8 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 513969316 |  |  |  | Non QM |  |  |  | Yes | No | $11162.00 | $14694.56 |  | 8.151% | $3452.06 | $3452.06 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11198.29 | 1 | $5681.88 | $2940.48 | $473.49 | $245.04 |  |  |  |  |  | 39.994% | 39.994% | 39.994% | 04/07/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $11162.00 |  | 6.880% | $80000.00 | 1.4 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $20979.74 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.51 | Retail | Yes | No |  | $9517.57 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 571225721 |  |  |  | Non QM |  |  |  | Yes | No | $9970.00 | $11737.86 |  | 8.874% | $1808.97 | $1808.97 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9794.09 | 1 | $5100.72 | $1674.00 | $425.06 | $139.50 |  |  |  |  |  | 20.809% | 20.809% | 20.809% | 03/10/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $9970.00 |  | 6.650% | $0.00 | 1.8 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $1082.58 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 543527689 |  |  |  | Non QM |  |  |  | Yes | No | $3681.40 | $8569.78 |  | 7.633% | $2037.49 | $2037.49 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18713.65 | 1 | $5576.76 | $2780.04 | $464.73 | $231.67 |  |  |  |  |  | 12.849% | 12.849% | 12.849% | 02/04/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3681.40 |  | 6.700% | $0.00 | 2.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $192038.73 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.43 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 558347311 |  |  |  | Non QM |  |  |  | Yes | No | $2546.00 | $4449.22 |  | 7.814% | $1465.13 | $1465.13 | 7.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7601.61 | 1 | $1791.96 | $915.00 | $149.33 | $76.25 |  |  |  |  |  | 48.271% | 48.271% | 48.271% |  | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2546.00 |  | 6.740% | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.6 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 577333247 |  |  |  | Non QM |  |  |  | Yes | No | $770.75 | $3009.51 |  | 8.681% | $2487.46 | $2487.46 | 8.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4145.54 | 1 | $5103.84 | $840.96 | $425.32 | $70.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $770.75 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $707437.20 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 178.63 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 579264958 |  |  |  | Non QM |  |  |  | Yes | No | $31680.00 | $33130.68 |  | 7.712% | $10205.04 | $10205.04 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24560.06 | 1 | $10818.60 | $1540.44 | $901.55 | $128.37 |  |  |  |  |  | 33.259% | 33.259% | 33.259% | 05/12/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $31680.00 |  | 6.810% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.55 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 522440019 |  |  |  | Non QM |  |  |  | Yes | No | $48.00 | $3369.24 |  | 7.006% | $5987.72 | $5987.72 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $80248.33 | 1 | $24389.88 | $4101.48 | $2032.49 | $341.79 |  |  |  |  |  | 16.475% | 16.475% | 16.475% | 04/23/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [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]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $48.00 |  | 6.880% | $21862.55 | 3.1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $720399.06 | 47.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.82 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 568836642 |  |  |  | Non QM |  |  |  | Yes | No | $1490.00 | $3006.25 |  | 7.566% | $2307.41 | $2307.41 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36422.35 | 1 | $5831.52 | $2502.96 | $485.96 | $208.58 |  |  |  |  |  | 8.510% | 8.510% | 8.510% |  | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Arc | $1490.00 |  | 6.620% | $0.00 | 2.7 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $513571.65 | 64.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.61 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500929139 |  |  |  | Non QM |  |  |  | Yes | No | $2921.00 | $3977.57 |  | 7.693% | $1328.51 | $1328.51 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12043.76 | 1 | $7605.84 | $621.60 | $633.82 | $51.80 |  |  |  |  |  | 27.337% | 27.337% | 27.337% | 02/27/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2921.00 |  | 6.650% | $0.00 | 4.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | 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 | 58.85 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563167891 |  |  |  | Non QM |  |  |  | Yes | No | $3184.09 | $14035.65 |  | 8.035% | $5452.52 | $5452.52 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $101450.00 | 1 | $3281.40 | $1793.04 | $273.45 | $149.42 |  |  |  |  |  | 15.059% | 15.059% | 15.059% | 03/05/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3184.09 |  | 6.810% | $5850.00 | 2.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $10000.00 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.28 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 502256735 |  |  |  | Non QM |  |  |  | Yes | No | $3739.00 | $7977.88 |  | 7.746% | $4034.42 | $4034.42 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37433.76 | 1 | $8798.88 | $2975.04 | $733.24 | $247.92 |  |  |  |  |  | 12.103% | 12.103% | 12.103% | 04/11/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 27.500% | 27.500% |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 27.50% \| Expense Ratio: 70.00000% \| 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: 27.50% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024<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]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3739.00 |  | 6.800% | $0.00 | 3.4 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 8.59 | Retail | No | No |  | $21294.18 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 554892915 |  |  |  | Non QM |  |  |  | Yes | No | $8668.57 | $9830.40 |  | 9.336% | $1804.52 | $1804.52 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4226.93 | 1 | $2253.96 | $1143.96 | $187.83 | $95.33 |  |  |  |  |  | 44.901% | 44.901% | 44.901% | 04/14/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8668.57 |  | 6.740% | $20500.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.54 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 521695494 |  |  |  | Non QM |  |  |  | Yes | No | $2120.00 | $3946.16 |  | 7.563% | $3531.03 | $3531.03 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14636.47 | 1 | $9406.68 | $1131.96 | $783.89 | $94.33 |  |  |  |  |  | 33.034% | 33.034% | 33.034% | 01/22/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMG | $2120.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 2 |  | 2 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $427336.90 | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.71 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587962535 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $6437.20 |  | 6.894% | $8868.54 | $8868.54 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35467.67 | 1 | $18921.60 | $3994.80 | $1576.80 | $332.90 |  |  |  |  |  | 37.065% | 37.065% | 37.065% | 03/25/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1640.00 |  | 6.650% | $0.00 | 1.3 |  |  |  | N/A | No | 6.875% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $753233.19 |  | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 69.88 | Retail |  | No |  | $0.00 | $24148.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 542225560 |  |  |  | Non QM |  |  |  | Yes | No | $1380.00 | $3832.25 |  | 6.548% | $3488.91 | $3488.91 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7552.06 | 1 | $7713.72 | $432.00 | $642.81 | $36.00 |  |  |  |  |  | 41.319% | 41.319% | 41.319% | 03/28/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Housing Allowance]; W-2 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Rations]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1380.00 |  | 6.620% | $0.00 | 2.6 |  |  |  | N/A | No | 6.500% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $228154.91 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.59 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563346470 |  |  |  | Non QM |  |  |  | Yes | No | $4294.05 | $10611.85 |  | 7.577% | $3411.94 | $3411.94 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14753.75 | 1 | $7160.88 | $1527.00 | $596.74 | $127.25 |  |  |  |  |  | 47.726% | 47.726% | 47.726% | 04/01/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4294.05 |  | 6.800% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 11.69 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 511828547 |  |  |  | Non QM |  |  |  | Yes | No | $12481.36 | $7517.67 |  | 7.074% | $2286.11 | $2286.11 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5265.84 | 1 | $6131.76 | $1324.08 | $510.98 | $110.34 |  |  |  |  |  | 35.572% | 35.572% | 35.572% | 05/06/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: 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: 50.00000% \| 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: 50.00000% \| 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: 50.00000% \| 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: 50.00000% \| 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: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [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 |  |  | Arc | $12481.36 |  | 6.800% | $13500.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $114799.57 | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.73 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533732085 |  |  |  | Non QM |  |  |  | Yes | No | $1825.00 | $5061.35 |  | 7.780% | $1223.63 | $1223.63 | 7.500% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2263.20 | 1 | $1932.24 | $768.96 | $161.02 | $64.08 |  |  |  |  |  | 41.518% | 41.518% | 41.518% | 03/31/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 59.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1825.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 6.31 | Retail |  | No |  | $1590.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527737333 |  |  |  | Non QM |  |  |  | Yes | No | $2409.00 | $3415.99 |  | 7.846% | $2149.24 | $2149.24 | 7.750% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7512.08 | 1 | $6035.04 | $1839.00 | $502.92 | $153.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion (Residual Income) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $2409.00 |  | 6.800% | $0.00 | 3.9 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $1307854.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 286.35 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 515397906 |  |  |  | Non QM |  |  |  | Yes | No | $7090.00 | $7844.17 |  | 7.253% | $3235.94 | $4266.37 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15318.03 | 1 | $4716.00 | $540.00 | $393.00 | $45.00 |  |  |  |  |  | 37.420% | 33.211% | 37.420% | 04/14/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $7090.00 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 2 | 2 | 2 | 0 | 6 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 06/01/2055 | $442277.24 | 56.000% | No | 28 | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.74 | Retail | Yes | No |  | $0.00 | $2579.03 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 506188134 |  |  |  | Non QM |  |  |  | Yes | No | $1740.00 | $2730.33 |  | 7.683% | $3008.12 | $3008.12 | 7.625% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39066.52 | 1 | $28418.52 | $3761.04 | $2368.21 | $313.42 |  |  |  |  |  | 21.374% | 21.374% | 21.374% | 03/26/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [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 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1740.00 |  | 6.740% | $0.00 | 5 |  |  |  | N/A | No | 7.625% | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 06/01/2055 | $4793011.31 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 591.76 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 511586504 |  |  |  | Non QM |  |  |  | Yes | No | $11113.98 | $483.38 |  | 6.839% | $1881.44 | $1881.44 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5796.11 | 1 | $932.88 | $1317.96 | $77.74 | $109.83 |  |  |  |  |  | 31.675% | 31.675% | 31.675% | 05/12/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11113.98 |  | 6.800% | $18800.58 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $49500.40 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 587812005 |  |  |  | Non QM |  |  |  | Yes | No | $10295.00 | $11141.21 |  | 7.268% | $2658.52 | $2658.52 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14818.57 | 1 | $22899.84 | $6911.04 | $1908.32 | $575.92 |  |  |  |  |  | 38.744% | 38.744% | 38.744% | 04/28/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10295.00 |  | 6.870% | $0.00 | 1.6 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 562169710 |  |  |  | Non QM |  |  |  | Yes | No | $2782.40 | $6421.18 |  | 8.830% | $4355.17 | $4355.17 | 8.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31692.55 | 1 | $2588.64 | $2439.96 | $215.72 | $203.33 |  |  |  |  |  | 29.021% | 29.021% | 29.021% | 04/23/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [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]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMG | $2782.40 |  | 6.620% | $1500.00 | 1 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $249103.28 | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.77 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 533586744 |  |  |  | Non QM |  |  |  | Yes | No | $2118.09 | $3726.19 |  | 7.553% | $6057.58 | $6727.94 | 8.074% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $943242.41 | 1 | $32847.96 | $5271.00 | $2737.33 | $439.25 |  |  |  |  |  | 4.585% | 4.517% | 4.585% | 04/03/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Employer Letter - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2118.09 |  | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 8.074% | 0 |  | 2 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $9280262.15 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 936.93 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 550704907 |  |  |  | Non QM |  |  |  | Yes | No | $41872.20 | $59478.63 |  | 7.445% | $8515.87 | $8515.87 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10030.13 | 1 | $3684.00 | $5046.00 | $307.00 | $420.50 |  |  |  |  |  | 47.959% | 47.959% | 47.959% | 04/16/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - No Results Returned - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $41872.20 |  | 6.700% | $0.00 | 1.2 |  |  |  | N/A | No | 7.000% | 0 |  | 1 | 0 | 3 | 3 |  |  | 3.97 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.08 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 516889170 |  |  |  | Non QM |  |  |  | Yes | No | $3835.07 | $5893.42 |  | 7.487% | $3184.01 | $3184.01 | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19425.14 | 1 | $11450.28 | $1709.04 | $954.19 | $142.42 |  |  |  |  |  | 39.241% | 39.241% | 39.241% | 04/08/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $3835.07 |  | 6.620% | $0.00 | 4.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 06/01/2055 | $2904683.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 477.7 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529977830 |  |  |  | Non QM |  |  |  | Yes | No | $2855.08 | $0.00 |  | 8.870% | $2705.35 | $2705.35 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30484.29 | 1 | $2481.36 | $1063.08 | $206.78 | $88.59 |  |  |  |  |  | 22.285% | 22.285% | 22.285% | 04/18/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 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]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2855.08 |  | 6.800% | $10532.00 | 1.3 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $17455.23 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.56 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 548843525 |  |  |  | Non QM |  |  |  | Yes | No | $3188.04 | $8611.54 |  | 7.543% | $6404.80 | $6404.80 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39675.90 | 1 | $15373.44 | $2553.96 | $1281.12 | $212.83 |  |  |  |  |  | 30.859% | 30.859% | 30.859% | 05/29/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 45.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| 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: 45.00% \| 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: 45.00% \| 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: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| 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: 45.00% \| 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: 45.00% \| 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 |  |  | Guaranteed Rate | $3188.04 |  | 6.930% | $0.00 | 1.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $55016.10 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 12.42 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 578374414 |  |  |  | Non QM |  |  |  | Yes | No | $3396.49 | $5395.87 |  | 8.317% | $1325.36 | $1325.36 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2617.92 | 1 | $2705.04 | $2085.00 | $225.42 | $173.75 |  |  |  |  |  | 40.532% | 40.532% | 40.532% | 05/13/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| 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: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| 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: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| 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: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.30000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $3396.49 |  | 6.870% | $6375.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 06/01/2055 | $51350.47 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.68 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537301940 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3266.72 | $3266.72 | 8.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $4726.68 | $1460.04 | $393.89 | $121.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | 06/01/2055 | $15851.49 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 109.57 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 534593540 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1113.90 | $1113.90 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1992.72 | $2370.12 | $166.06 | $197.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 4.12 | 0.24 |  |  |  |  |  |  |  | 06/01/2055 | $50130.54 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.27 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 549259061 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4249.96 | $4249.96 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5698.68 | $2319.96 | $474.89 | $193.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | 06/01/2055 | $352293.23 | 40.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.62 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 575984822 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1700.26 | $1700.26 | 6.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $1395.72 | $4883.04 | $116.31 | $406.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $65234.18 |  | 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 | 140.67 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 527140005 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2479.71 | $2479.71 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2147.88 | $3971.04 | $178.99 | $330.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/09/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 06/01/2055 | $423112.98 | 74.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 67.5 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 521688661 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3615.99 | $3615.99 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | $4672.44 | $1426.68 | $389.37 | $118.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.52 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 121.08 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 597252412 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3446.39 | $3446.39 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $8801.88 | $1573.32 | $733.49 | $131.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/05/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 06/01/2055 | $273677.13 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.29 | Retail |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 535507252 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4034.42 | $4034.42 | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3183.36 | $2514.96 | $265.28 | $209.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 06/01/2055 | $608010.87 | 80.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 88.31 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 554387343 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4132.90 | $4132.90 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3940.68 | $2697.00 | $328.39 | $224.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 545143792 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2901.47 | $2901.47 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6268.68 | $3849.00 | $522.39 | $320.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.58 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 510593045 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2087.90 | $2087.90 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $9545.52 | $1850.04 | $795.46 | $154.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 07/01/2055 | $149014.98 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.53 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 511645699 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2739.68 | $2739.68 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6600.00 | $3712.08 | $550.00 | $309.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/24/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 06/01/2055 | $1293293.02 | 100.000% | 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 8 |  |  |  |  |  |  |  |  |  |  |  | 323.9 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 582180600 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1916.62 | $1916.62 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $2197.92 | $3432.00 | $183.16 | $286.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | 06/01/2055 | $13753.96 | 4.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.06 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 503132953 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2388.40 | $2388.40 | 8.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $11325.96 | $3124.56 | $943.83 | $260.38 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | 06/01/2055 | $219845.58 | 47.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 19.52 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 551323996 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1566.40 | $1566.40 | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5895.96 | $1716.96 | $491.33 | $143.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/08/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | 06/01/2055 |  |  | 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 | 17.33 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 573191896 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1055.71 | $1055.71 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $10095.48 | $2427.00 | $841.29 | $202.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 06/01/2055 | $596928.51 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 157.81 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 547047618 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2387.57 | $2387.57 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3672.00 | $2734.44 | $306.00 | $227.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | 07/01/2055 | $498464.15 | 69.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.57 | Broker |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 528307480 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 7.845% | $1621.62 | $1621.62 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6397.10 | 1 | $3481.68 | $889.20 | $290.14 | $74.10 |  |  |  |  |  | 42.613% | 42.613% | 42.613% | 03/11/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate |  |  | 6.620% | $0.00 | 2.8 |  |  |  | N/A | No | 7.875% | 0 | 0 | 2 | 0 | 4 | 3 |  |  |  | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $186702.47 | 58.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.19 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 509830623 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2830.21 | $2830.21 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $6066.24 | $938.04 | $505.52 | $78.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | 07/01/2055 | $178396.13 | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 32.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 547853795 |  |  |  | Non QM |  |  |  | Yes | No | $15245.00 | $16668.43 |  | 7.198% | $3284.64 | $3284.64 | 6.875% | No | No | Not Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28433.64 | 1 | $22601.40 | $4538.04 | $1883.45 | $378.17 |  |  |  |  |  | 29.025% | 29.025% | 29.025% | 05/23/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15245.00 |  | 6.880% | $0.00 | 3.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 07/01/2055 | $1467302.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 85.34 |  | No | No |  | $40061.53 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596387652 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $3098.53 | $3098.53 | 6.999% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $11018.40 | $5124.12 | $918.20 | $427.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 05/01/2055 | $291848.75 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 585324729 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2382.84 | $2382.84 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $5314.20 | $1764.36 | $442.85 | $147.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.35 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 537166131 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1579.50 | $1579.50 | 9.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3045.96 | $4341.96 | $253.83 | $361.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 | 77.63 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 514381231 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2251.18 | $2251.18 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3615.48 | $782.04 | $301.29 | $65.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 114.44 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500084469 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1980.73 | $1980.73 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3758.76 | $485.04 | $313.23 | $40.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 | $114686.07 | 27.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 41.85 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 506517565 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1808.52 | $1808.52 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6416.88 | $4064.40 | $534.74 | $338.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.7 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 05/01/2055 | $350020.44 | 89.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.75 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 501202451 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1280.62 | $1280.62 | 6.625% | No | No |  |  |  |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $1998.00 | $873.00 | $166.50 | $72.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 786 | 786 | 778 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.57 |  |  |  |  |  |  |  | 05/01/2055 | $352614.12 | 88.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 16.42 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 594695874 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1030.63 | $1030.63 | 8.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $2230.20 | $2258.04 | $185.85 | $188.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  | 240 | 05/01/2055 | $5579.73 |  | 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 | 11.38 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 515754678 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $5530.60 | $5530.60 | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7994.16 | $15356.40 | $666.18 | $1279.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.59 |  |  |  |  |  |  |  | 05/01/2055 |  |  | 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 | 112.14 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 529687866 |  |  |  | Non QM |  |  |  | Yes | No | $15649.69 | $21665.38 |  | 7.087% | $3679.98 | $3679.98 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16968.53 | 1 | $8865.24 | $921.00 | $738.77 | $76.75 |  |  |  |  |  | 28.239% | 28.239% | 28.239% | 03/12/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $15649.69 |  | 6.620% | $20000.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $43216.69 | 6.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 566946711 |  |  |  | N/A |  |  |  | No | No | $3670.00 | $6313.83 |  | 7.531% | $2417.36 | $2417.36 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $88383.55 | 1 | $8124.96 | $788.04 | $677.08 | $65.67 |  |  |  |  |  | 14.725% | 14.725% | 14.725% | 02/04/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% | 20.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| 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: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| 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: 80.00% \| 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: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $3670.00 |  | 6.650% | $8500.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $720952.56 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 126.72 |  | No | No |  | $20728.97 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 525773027 |  |  |  | Non QM |  |  |  | Yes | No | $6795.00 | $9197.67 |  | 7.695% | $1364.35 | $1364.35 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10996.08 | 1 | $5200.92 | $830.52 | $433.41 | $69.21 |  |  |  |  |  | 27.955% | 27.955% | 27.955% | 02/06/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $6795.00 |  | 6.650% | $0.00 | 2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $915762.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 474.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 595487509 |  |  |  | Non QM |  |  |  | Yes | No | $11759.00 | $15443.00 |  | 7.173% | $2360.90 | $2360.90 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25063.90 | 1 | $6751.80 | $8783.04 | $562.65 | $731.92 |  |  |  |  |  | 20.057% | 20.057% | 20.057% | 03/12/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11759.00 |  | 6.650% | $0.00 | 2.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 560925388 |  |  |  | Non QM |  |  |  | Yes | No | $3031.60 | $5177.86 |  | 7.992% | $2355.03 | $2355.03 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7742.94 | 1 | $3771.24 | $2091.00 | $314.27 | $174.25 |  |  |  |  |  | 36.508% | 36.508% | 36.508% | 03/12/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; 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: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 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: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $3031.60 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $112501.63 |  | 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 | 35.95 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 540470775 |  |  |  | Non QM |  |  |  | Yes | No | $11740.00 | $14860.20 |  | 7.531% | $3683.75 | $3683.75 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7320.42 | 2 | $9000.00 | $462.00 | $750.00 | $38.50 |  |  |  |  |  | 41.186% | 41.186% | 41.186% | 02/27/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11740.00 |  | 6.620% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $117905.68 | 16.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 576184265 |  |  |  | Non QM |  |  |  | Yes | No | $12717.75 | $8434.13 |  | 6.982% | $2107.94 | $2107.94 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2757.17 | 1 | $5997.00 | $1311.00 | $499.75 | $109.25 |  |  |  |  |  | 49.633% | 49.633% | 49.633% | 03/18/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Other - 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]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12717.75 |  | 6.650% | $0.00 |  |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $226313.28 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 598067562 |  |  |  | Non QM |  |  |  | Yes | No | $16309.01 | $19856.64 |  | 8.791% | $5709.18 | $5709.18 | 8.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11710.97 | 2 | $10312.56 | $2705.04 | $859.38 | $225.42 |  |  |  |  |  | 42.792% | 42.792% | 42.792% | 02/12/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16309.01 |  | 6.870% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $66762.07 | 8.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.84 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594949565 |  |  |  | Non QM |  |  |  | Yes | No | $1765.00 | $4805.44 |  | 7.499% | $2486.43 | $2486.43 | 7.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11806.06 | 1 | $9260.16 | $1797.00 | $771.68 | $149.75 |  |  |  |  |  | 31.001% | 31.001% | 31.001% | 04/15/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1765.00 |  | 6.810% | $1500.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 05/01/2055 | $3198183.05 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 486.92 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 546122288 |  |  |  | Non QM |  |  |  | Yes | No | $14427.20 | $15696.12 |  | 7.702% | $5588.12 | $5588.12 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Honduras |  |  |  | $283833.17 | 1 | $11362.20 | $1662.72 | $946.85 | $138.56 |  |  |  |  |  | 4.023% | 4.023% | 4.023% | 04/01/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<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 |  |  | Guaranteed Rate | $14427.20 |  | 6.650% | $212124.02 | 3.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $88804.31 | 9.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 10.15 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 505837892 |  |  |  | Non QM |  |  |  | Yes | No | $4394.20 | $6211.52 |  | 7.737% | $1105.08 | $1105.08 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5063.39 | 1 | $1032.12 | $1967.04 | $86.01 | $163.92 |  |  |  |  |  | 22.689% | 22.689% | 22.689% | 02/08/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<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 - 2021<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 - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4394.20 |  | 6.880% | $7500.00 | 1.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $54068.73 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.56 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 559287846 |  |  |  | Non QM |  |  |  | Yes | No | $2591.88 | $6279.80 |  | 7.307% | $1947.05 | $1947.05 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2993.66 | 1 | $1972.44 | $1199.04 | $164.37 | $99.92 |  |  |  |  |  | 42.485% | 42.485% | 42.485% | 05/05/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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]; Other - 2021<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 - 2021 | [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 |  |  | Arc | $2591.88 |  | 6.620% | $0.00 | 1.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.31 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 573884843 |  |  |  | Non QM |  |  |  | Yes | No | $2374.15 | $7949.52 |  | 8.319% | $5811.05 | $5811.05 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20255.11 | 1 | $13659.12 | $2142.96 | $1138.26 | $178.58 |  |  |  |  |  | 30.155% | 30.155% | 30.155% | 03/28/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 |  |  | Arc | $2374.15 |  | 6.740% | $10000.00 | 1.2 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $68506.19 | 8.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.73 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 553321988 |  |  |  | Non QM |  |  |  | Yes | No | $5176.25 | $13132.36 |  | 7.396% | $19235.30 | $19235.30 | 7.375% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $44319.14 | 1 | $57434.76 | $27505.92 | $4786.23 | $2292.16 |  |  |  |  |  | 44.843% | 44.843% | 44.843% | 03/26/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $5176.25 |  | 6.690% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 3.00 | No |  |  |  |  | Other |  |  |  |  | 06/01/2055 | $3209730.49 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 121.55 | Retail | No | No |  | $1598.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 508983883 |  |  |  | Non QM |  |  |  | Yes | No | $3242.00 | $4871.15 |  | 7.420% | $6147.01 | $6147.01 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11555.26 | 1 | $17872.68 | $2442.96 | $1489.39 | $203.58 |  |  |  |  |  | 46.288% | 46.288% | 46.288% | 03/12/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3242.00 |  | 6.880% | $0.00 | 2.8 |  |  |  | N/A | No | 7.375% | 0 | 0 | 1 | 0 | 4 | 1 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $6117.82 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 13.51 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 561511095 |  |  |  | Non QM |  |  |  | Yes | No | $5014.72 | $9201.13 |  | 7.415% | $2108.74 | $2108.74 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $108029.50 | 1 | $6066.84 | $2936.04 | $505.57 | $244.67 |  |  |  |  |  | 6.533% | 6.533% | 6.533% | 04/28/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # 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: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5014.72 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | 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 | 62.62 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 594457946 |  |  |  | Non QM |  |  |  | Yes | No | $4470.73 | $15482.93 |  | 6.886% | $3532.81 | $3532.81 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20876.79 | 1 | $11127.72 | $2453.04 | $927.31 | $204.42 |  |  |  |  |  | 21.008% | 21.008% | 21.008% | 02/05/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [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 |  |  | Arc | $4470.73 |  | 6.740% | $15000.00 | 3.6 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $881066.94 | 79.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.28 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 504436523 |  |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $4878.16 |  | 7.577% | $4307.16 | $4307.16 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $44325.36 | 1 | $15753.12 | $4580.64 | $1312.76 | $381.72 |  |  |  |  |  | 21.926% | 21.926% | 21.926% | 04/30/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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 |  |  | Guaranteed Rate | $1640.00 |  | 6.870% | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $11417.90 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.23 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 590958176 |  |  |  | Non QM |  |  |  | Yes | No | $1840.00 | $8853.56 |  | 7.837% | $16500.00 | $22184.90 | 8.063% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $128192.26 | 1 | $40346.64 | $7641.96 | $3362.22 | $636.83 |  |  |  |  |  | 19.779% | 16.221% | 19.779% | 05/02/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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]; Other - 2019 | [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 |  |  | Guaranteed Rate | $1840.00 |  | 6.710% | $82500.00 | 1 |  |  |  | N/A | No | 8.063% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 06/01/2055 | $1429770.43 | 43.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.27 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 503378431 |  |  |  | Non QM |  |  |  | Yes | No | $14027.30 | $4445.31 |  | 7.958% | $2680.63 | $2680.63 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15469.45 | 1 | $9264.60 | $9242.64 | $772.05 | $770.22 |  |  |  |  |  | 33.045% | 33.045% | 33.045% | 04/27/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14027.30 |  | 6.800% | $22182.42 | 1.5 |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.16 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 557641084 |  |  |  | Non QM |  |  |  | Yes | No | $8790.00 | $11730.25 |  | 8.020% | $5075.49 | $5075.49 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11094.74 | 1 | $13213.20 | $5132.04 | $1101.10 | $427.67 |  |  |  |  |  | 47.168% | 47.168% | 47.168% | 03/18/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 0.00000% \| 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 |  |  | Arc | $8790.00 |  | 6.880% | $0.00 | 2.9 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $140096.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.01 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 500120930 |  |  |  | Non QM |  |  |  | Yes | No | $1995.00 | $8391.57 |  | 7.025% | $9314.23 | $9314.23 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17022.92 | 1 | $21465.36 | $10449.00 | $1788.78 | $870.75 |  |  |  |  |  | 41.636% | 41.636% | 41.636% | 03/07/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1995.00 |  | 6.920% | $0.00 | 2.1 |  |  |  | N/A | No | 7.000% | 2 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 07/01/2055 | $752428.71 | 43.000% | No |  | 5 |  |  | 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 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.61 | Retail |  | No |  | $0.00 | $14166.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 528666055 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $4464.84 | $4464.84 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $12089.40 | $1977.96 | $1007.45 | $164.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | 06/01/2055 | $336941.00 | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 55.74 | Broker |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 563838874 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2564.98 | $2564.98 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1020.60 | $2171.04 | $85.05 | $180.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/11/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 06/01/2055 | $4500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.56 | Retail |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 596676593 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2182.53 | $2182.53 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $11874.00 | $2096.04 | $989.50 | $174.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | 07/01/2055 |  |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  | 17.68 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 576638323 |  |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 8.679% | $1018.78 | $1018.78 | 8.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $73552.53 | 1 | $637.68 | $1019.52 | $53.14 | $84.96 |  |  |  |  |  | 11.073% | 11.073% | 11.073% | 04/09/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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 - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | CMG |  |  | 6.700% | $0.00 | 1.8 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $5000.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 94.41 | Retail |  | No |  | $82711.41 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 527395572 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2206.86 | $2206.86 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1436.16 | $899.04 | $119.68 | $74.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 4.7 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | 04/01/2065 | $6642.80 |  | 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 | 5.78 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 544358387 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2591.85 | $2591.85 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $6535.92 | $6847.92 | $544.66 | $570.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 86.3 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 556235600 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $2251.18 | $2251.18 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3626.88 | $762.00 | $302.24 | $63.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 114.97 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 591065895 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1685.79 | $1685.79 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | $3694.08 | $2976.48 | $307.84 | $248.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 725 | 605 | 633 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 24.08 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 562615100 |  |  |  | N/A |  |  |  | No | No |  |  |  |  | $1366.06 | $1366.06 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3768.96 | $759.96 | $314.08 | $63.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 101.67 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 596331385 |  |  |  | N/A |  |  |  | No | No | $64035.50 | $25318.80 |  | 7.007% | $9118.17 | $9118.17 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32395.89 | 1 | $11637.84 | $12300.24 | $969.82 | $1025.02 |  |  |  |  |  | 30.578% | 30.578% | 30.578% | 03/18/2025 | 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]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $64035.50 |  | 6.650% | $5000.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $2289170.60 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 170.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.6

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.6**

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **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** |
|  | 583015727 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 583015727 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
|  | 568205483 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 568205483 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 568205483 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 568205483 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 568205483 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568205483 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 568205483 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.93 | 0.98 | Verified | Field value reflects source document |
|  | 550462140 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 550462140 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 550462140 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 551810685 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 551810685 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 551810685 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 551810685 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 551810685 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.817 | 46.41447 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 589981196 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 597246676 |  |  |  |  | Representative FICO | 801 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 597246676 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.83 | 0.84 | Verified | Field value reflects source document |
|  | 549695540 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 549695540 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 549695540 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 549695540 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 568846252 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 543611383 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 543611383 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 543611383 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 543611383 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 543611383 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 543611383 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 543611383 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.15 | Verified | Field value reflects source document |
|  | 555011177 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 555011177 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 555011177 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 555011177 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 555011177 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555011177 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 555011177 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | Field value reflects source document |
|  | 561274562 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 561274562 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 561274562 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 561274562 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 502886210 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.79 | 0.80 | Verified | Field value reflects source document |
|  | 505605884 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 505605884 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 505605884 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 505605884 |  |  |  |  | Representative FICO | 680 | 717 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 505605884 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 505605884 |  |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 584297579 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 584297579 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 584297579 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 584297579 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 584297579 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 584297579 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Unable to verify due to missing information |
|  | 557043492 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 557043492 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 557043492 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 557043492 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 557043492 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 557043492 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 594625941 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594625941 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594625941 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594625941 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594625941 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 594625941 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 558342742 |  |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 558342742 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558342742 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558342742 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558342742 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558342742 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 558342742 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 532378003 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 532378003 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 532378003 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 532378003 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 532378003 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 532378003 |  |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 532378003 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 567001547 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 567001547 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 567001547 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 567001547 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 567001547 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 567001547 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
|  | 567001547 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 567001547 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.02 | Verified | Unable to verify due to missing information |
|  | 515866821 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 515866821 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 515866821 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 515866821 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 515866821 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 515866821 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 515866821 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 515866821 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.91 | 0.94 | Verified | Field value reflects source document |
|  | 575029161 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 575029161 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Appraisal |
|  | 597982657 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 508953897 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 508953897 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 508953897 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.38 | Verified | Field value reflects source document |
|  | 588028000 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 588028000 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 588028000 |  |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 588028000 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.40 | Verified | Field value reflects source document |
|  | 525486785 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525486785 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.04 | Verified | Field value reflects source document |
|  | 583682822 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 30.287 | 38.7794 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 513599865 |  |  |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 593392387 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 554712217 |  |  |  |  | Representative FICO | 684 | 693 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 580879821 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 580879821 |  |  |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 580879821 |  |  |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 575257751 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 556910054 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 534351566 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 535884204 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 561523826 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 572595572 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | n/a - refinance |
|  | 572595572 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 532231753 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 593594826 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 525755769 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525755769 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 580399472 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 580399472 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 588692859 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 560910014 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 541051211 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | n/a - loan is a refinance |
|  | 560719428 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 539700235 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 539700235 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 566563032 |  |  |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 566563032 |  |  |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 555609012 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | n/a - loan is a refinance |
|  | 581439422 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 567895098 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 565728928 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Paying off all mtgs and repairs needed for the properties. |
|  | 521517616 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 521517616 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 532521318 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 532521318 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Obtaining cash out to purchase other investment properties. |
|  | 554556432 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 586716306 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The Subject Property is a Refinance . |
|  | 531540916 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 531540916 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 531540916 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 588001114 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538493259 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Subject is a refinance. |
|  | 533621247 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 545854264 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 535096161 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 535096161 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 596876526 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 559286059 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 505416737 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 559977576 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 559977576 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Funds paid off debt and borrower received additional cash in hand. |
|  | 560366770 |  |  |  |  | Originator Loan Designation | Non QM | N/A | Verified | Field value reflects source document |
|  | 545222922 |  |  |  |  | Representative FICO | 760 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 539287427 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The subject loan transaction is a refinance. |
|  | 539287427 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 570046981 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 589224342 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 581350124 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 581044781 |  |  |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 531383300 |  |  |  |  | Purpose |  | Refinance | Verified | The Bid Tape Field Value was not provided. |
|  | 531383300 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 531383300 |  |  |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | The Bid Tape Field Value was not provided. |
|  | 531383300 |  |  |  |  | MERS Min Number | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 566547733 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 536317147 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 528886967 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 599387957 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 549420716 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 549420716 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 571833156 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 564210249 |  |  |  |  | Representative FICO | 780 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 506449824 |  |  |  |  | Representative FICO | 694 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 525181598 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 515772049 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 597344264 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction |
|  | 569481979 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The subject loan transaction was a cash-out refinance. |
|  | 513341206 |  |  |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 513341206 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 513341206 |  |  |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 538166133 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
|  | 504874089 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
|  | 570134712 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 523948042 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 509940494 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | The subject loan transaction was a refinance. |
|  | 550845662 |  |  |  |  | Representative FICO | 737 | 791 |  |  |
|  | 530745887 |  |  |  |  | Originator Loan Designation | Non QM | N/A | Verified | Deal settings allow this to be excluded from QM/ATR testing. |
|  | 595263362 |  |  |  |  | Purpose |  | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
|  | 576816968 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 567209671 |  |  |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE |  |  |
|  | 506997277 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 522625371 |  |  |  |  | Refi Purpose | Rate/Term |  | Verified | Subject property loan purpose is Purchase. |
|  | 504288445 |  |  |  |  | Refi Purpose | Rate/Term |  | Verified | The subject loan transaction is a Purchase. |
|  | 598107626 |  |  |  |  | Purpose |  | Purchase | Verified | The Bid Tape Field Value was not provided. |
|  | 510496743 |  |  |  |  | Refi Purpose | Rate/Term |  | Verified | Subject is a purchase |
|  | 543323734 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 535721269 |  |  |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Approval/AUS |
|  | 599803314 |  |  |  |  | Originator Loan Designation | Non QM | N/A | Verified | Field value reflects source document |
|  | 506578597 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 560166872 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.24 | Verified | Unable to verify due to missing information |
|  | 529840754 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529840754 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529840754 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 529840754 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 529840754 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546377847 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546377847 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546377847 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546377847 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 546377847 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 500598570 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 500598570 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500598570 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 500598570 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 500598570 |  |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 571813791 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 571813791 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 571813791 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 571813791 |  |  |  |  | Representative FICO | 734 | 821 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 571813791 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 571813791 |  |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 589233419 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 589233419 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 589233419 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 589233419 |  |  |  |  | Representative FICO | 675 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 589233419 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 589233419 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 42.434 | 46.93225 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 589233419 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 525868007 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 525868007 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 525868007 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 525868007 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 525868007 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 525868007 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 570495014 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570495014 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570495014 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 570495014 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570495014 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 570495014 |  |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 570868086 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570868086 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570868086 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 570868086 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 570868086 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 570868086 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570868086 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 580748505 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 580748505 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 580748505 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 580748505 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 580748505 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 580748505 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 580748505 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 580748505 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.45 | 1.46 | Verified | Field value reflects source document |
|  | 532426869 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 532426869 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 532426869 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 532426869 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 532426869 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 532426869 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 532426869 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 555698867 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 555698867 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 555698867 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 555698867 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 555698867 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 555698867 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555698867 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 555698867 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.06 | Verified | Field value reflects source document |
|  | 551281878 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 551281878 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 551281878 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 551281878 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 551281878 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 551281878 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.00 | Verified | Field value reflects source document |
|  | 527433028 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 527433028 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 527433028 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 527433028 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 527433028 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 527433028 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 569853558 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 569853558 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569853558 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 569853558 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 569853558 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 569853558 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 569853558 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 569853558 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.19 | Verified | Field value reflects source document |
|  | 519468305 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 519468305 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 519468305 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 519468305 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 519468305 |  |  |  |  | Representative FICO | 758 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 519468305 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 519468305 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568642152 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 568642152 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 568642152 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 568642152 |  |  |  |  | Representative FICO | 668 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 568642152 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 568642152 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 568642152 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568642152 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.87 | 46.72761 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 569162378 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 569162378 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569162378 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 569162378 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 569162378 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546433142 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546433142 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546433142 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546433142 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 546433142 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546433142 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 546433142 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.52 | 1.67 | Verified | Field value reflects source document |
|  | 587852435 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 587852435 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587852435 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587852435 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587852435 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 587852435 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 587852435 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.35 | Verified | Field value reflects source document |
|  | 592314211 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 592314211 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 592314211 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 592314211 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 592314211 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 592314211 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 554891314 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 554891314 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 554891314 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 554891314 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 554891314 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 554891314 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 574626715 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 574626715 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 574626715 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 574626715 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.31 | Verified | Field value reflects source document |
|  | 546263799 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546263799 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.97 | 1.98 | Verified | Field value reflects source document |
|  | 520496249 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.08 | Verified | Field value reflects source document |
|  | 555152152 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 555152152 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 555152152 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.03 | Verified | Field value reflects source document |
|  | 500454634 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 516556056 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 516556056 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 516556056 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Field value reflects source document |
|  | 500014302 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529956134 |  |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 529956134 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 579221703 |  |  |  |  | Representative FICO | 796 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 579221703 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 535069659 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 535069659 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 535069659 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 535069659 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Unable to verify due to missing information |
|  | 535069659 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 575672994 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 575672994 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 575672994 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 575672994 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 539145600 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 548322390 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595378035 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 595378035 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595378035 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 595378035 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 595378035 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 595378035 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595378035 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 595378035 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.34 | 1.39 | Verified | Field value reflects source document |
|  | 517834885 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 517834885 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 517834885 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 517834885 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 517834885 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 517834885 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 517834885 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 517834885 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 538215848 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 538215848 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 538215848 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 538215848 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 538215848 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 538215848 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538215848 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 538215848 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.89 | 1.09 | Verified | Field value reflects source document |
|  | 549187450 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 549187450 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 549187450 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 549187450 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 549187450 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 549187450 |  |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 563302700 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 563302700 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563302700 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 563302700 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 563302700 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518080322 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518080322 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518080322 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518080322 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518080322 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 518080322 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 518080322 |  |  |  |  | Original CLTV | 75.421 | 80 | 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) |
|  | 518080322 |  |  |  |  | Original LTV | 75.421 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 518080322 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 6.619 | 13.23853 | Verified | Unable to verify due to missing information |
|  | 518080322 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 577411345 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 577411345 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 577411345 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 577411345 |  |  |  |  | Representative FICO | 775 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 577411345 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 577411345 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 577411345 |  |  |  |  | First Interest Rate Change Date |  | 2032-04-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 577411345 |  |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 577411345 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 577411345 |  |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 577411345 |  |  |  |  | Interest Rate Life Floor | 2 | 3.125 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 577411345 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 530563063 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 530563063 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530563063 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 530563063 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 530563063 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 564452682 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 564452682 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 564452682 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 564452682 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 564452682 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 564452682 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 520319549 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 520319549 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 520319549 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 520319549 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 520319549 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 520319549 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 500992086 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 500992086 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500992086 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 500992086 |  |  |  |  | Representative FICO | 787 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 500992086 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 500992086 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 500992086 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.421 | 23.67817 | Verified | PER NAF guides expense ratio allowed is 75%. |
|  | 500992086 |  |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 549749254 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 549749254 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 549749254 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 549749254 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 549749254 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 549749254 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 549749254 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 540391500 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 540391500 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 540391500 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 540391500 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 540391500 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 540391500 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 540391500 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 567992645 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 567992645 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 567992645 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 567992645 |  |  |  |  | Representative FICO | 797 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 567992645 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 567992645 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 567992645 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 569127250 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 569127250 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569127250 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 569127250 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 569127250 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 569127250 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 518809895 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518809895 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518809895 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518809895 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518809895 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 598462142 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 598462142 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 598462142 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 598462142 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 598462142 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 588717929 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 588717929 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 588717929 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 588717929 |  |  |  |  | Representative FICO | 697 | 729 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 588717929 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 588717929 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 541305662 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 541305662 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 541305662 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 541305662 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 541305662 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 541305662 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 570865925 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570865925 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570865925 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 570865925 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570865925 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 570865925 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 570865925 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 564158798 |  |  |  |  | Subject Debt Service Coverage Ratio | 2.25 | 2.26 | Verified | Field value reflects source document |
|  | 557657698 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 538647553 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 538647553 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 538647553 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 538647553 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.14 | Verified | Field value reflects source document |
|  | 584770124 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 590116665 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 590116665 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 590116665 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 590116665 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 590116665 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 590116665 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 529066542 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529066542 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529066542 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 529066542 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 529066542 |  |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 529066542 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 553094714 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 599271210 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 599271210 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 599271210 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 599271210 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 599271210 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 599271210 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 19.631 | 16.62137 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 599271210 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 510587791 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 510587791 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 510587791 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 510587791 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 510587791 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 570888222 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 570888222 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 570888222 |  |  |  |  | Amortization Type |  | Fixed | Verified | Tape Value reflects Amortization Type per Modification |
|  | 570888222 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 570888222 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 570888222 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 560098274 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 560098274 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 560098274 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 560098274 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 560098274 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 560098274 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 560098274 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 546706989 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546706989 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546706989 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546706989 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 546706989 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546706989 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 556413203 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 556413203 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 556413203 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 556413203 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 556413203 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 556413203 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 508940571 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 508940571 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 508940571 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 508940571 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 508940571 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 508940571 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 514723039 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 514723039 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 514723039 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 514723039 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514723039 |  |  |  |  | First Interest Rate Change Date |  | 2030-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 514723039 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 514723039 |  |  |  |  | Interest Rate Life Floor | 2 |  | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 514723039 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 541264385 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 541264385 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 541264385 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 541264385 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 541264385 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 541264385 |  |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 519338637 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 519338637 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 519338637 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 519338637 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 519338637 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 519338637 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 547609826 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 547609826 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 547609826 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 547609826 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 547609826 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 547609826 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 586401891 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 586401891 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 586401891 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 586401891 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 586401891 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 529299879 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 529299879 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 529299879 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 529299879 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 529299879 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 529299879 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 529299879 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 548420303 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 548420303 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 548420303 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548420303 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 548420303 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 548420303 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 548420303 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 548420303 |  |  |  |  | Subject Debt Service Coverage Ratio | 2.20 | 2.21 | Verified | Field value reflects source document |
|  | 582514457 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 582514457 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 582514457 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 582514457 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 582514457 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 582514457 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 582514457 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.77 | 1.63 | Verified | Field value reflects source document |
|  | 517534781 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 517534781 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 517534781 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 517534781 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 517534781 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 517534781 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 517534781 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.85 | 1.86 | Verified | Field value reflects source document |
|  | 551637300 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 551637300 |  |  |  |  | Original Term |  | 180 | Verified | Field Value reflects the Note value |
|  | 551637300 |  |  |  |  | Amortization Term |  | 180 | Verified | Field Value reflects Amortization Term per Note |
|  | 551637300 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 551637300 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 551637300 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 551637300 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 551637300 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 551637300 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.02 | Verified | Field value reflects source document |
|  | 584113688 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 584113688 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 584113688 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 584113688 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 584113688 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 584113688 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 529653148 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 529653148 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 529653148 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 529653148 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 529653148 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 529653148 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 529653148 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.29 | 1.30 | Verified | Field value reflects source document |
|  | 523922197 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 523922197 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 523922197 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 523922197 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 523922197 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 523922197 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 523922197 |  |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 599277913 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 599277913 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 599277913 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 599277913 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 599277913 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 599277913 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 599277913 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 599277913 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 518591922 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 518591922 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 518591922 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 518591922 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 518591922 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 518591922 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 565453857 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 572172774 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 572172774 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 572172774 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 509666453 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 509666453 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 509666453 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 576222827 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 576222827 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 576222827 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 569144971 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 569144971 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 569144971 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Field value reflects source document |
|  | 505697337 |  |  |  |  | Representative FICO | 680 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 570715414 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 542399855 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 542399855 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 595584178 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 595584178 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 595584178 |  |  |  |  | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 550879903 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 565382390 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 565382390 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 565382390 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 549158452 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 549158452 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 549158452 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555215528 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 555215528 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 555215528 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.16 | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 512784602 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 512784602 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 512784602 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 512784602 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 512784602 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 512784602 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 512784602 |  |  |  |  | Original P&I |  | 1019.89 | Verified | Field Value reflects Note value |
|  | 512784602 |  |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 512784602 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 512784602 |  |  |  |  | Cash To Borrower | 74844.68 | 78490.04 | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Appraisal Effective Date |  | 2024-10-21 | Verified | Tape Value reflects Appraisal Date |
|  | 512784602 |  |  |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 512784602 |  |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | PITIA Reserves Months | 12.00 | 68.55 | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Loan to Cost (LTC) |  | 110.32 | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 512784602 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 589912918 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 589912918 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 589912918 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 589912918 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 589912918 |  |  |  |  | Original P&I | 0.00 | 2113.47 | Verified | Field Value reflects Note value |
|  | 589912918 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 589912918 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 589912918 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 589912918 |  |  |  |  | Cash To Borrower | 281427.98 | 283826.70 | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Appraisal Effective Date |  | 2025-01-19 | Verified | Tape Value reflects Appraisal Date |
|  | 589912918 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 589912918 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 589912918 |  |  |  |  | Original HLTV |  | 72 | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | PITIA Reserves Months | 6.00 | 89.30 | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Loan to Cost (LTC) |  | 94.15385 | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 589912918 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 529935271 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529935271 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 529935271 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 529935271 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 529935271 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 529935271 |  |  |  |  | Original P&I | 0.00 | 734.13 | Verified | Field Value reflects Note value |
|  | 529935271 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 529935271 |  |  |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 529935271 |  |  |  |  | Cash To Borrower | 1154.96 |  | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Appraisal Effective Date |  | 2025-01-29 | Verified | Tape Value reflects Appraisal Date |
|  | 529935271 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 529935271 |  |  |  |  | Cash From Borrower |  | 2990.07 | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Escrow Account | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | PITIA Reserves Months | 6.00 | 153.10 | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Unable to verify due to missing information |
|  | 529935271 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 529935271 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 576127265 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 576127265 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 576127265 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 576127265 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 576127265 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 576127265 |  |  |  |  | Original P&I |  | 3645.89 | Verified | Field Value reflects Note value |
|  | 576127265 |  |  |  |  | Interest Only |  | 0 | Verified | Tape Value reflects Modification 'Interest Only' |
|  | 576127265 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 576127265 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 576127265 |  |  |  |  | Original CLTV | 75 | 72.11538 | Verified | Tape Value reflects the LTV value |
|  | 576127265 |  |  |  |  | Original LTV | 75 | 72.11538 | Verified | Tape Value reflects the CLTV value |
|  | 576127265 |  |  |  |  | Appraisal Effective Date |  | 2025-03-03 | Verified | Tape Value reflects Appraisal Date |
|  | 576127265 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
|  | 576127265 |  |  |  |  | Cash From Borrower |  | 3040.25 | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Original HLTV |  | 72.11538 | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | PITIA Reserves Months | 6.00 | 7.16 | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Loan to Cost (LTC) |  | 167.41071 | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 576127265 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 584018926 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 584018926 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 584018926 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 584018926 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 584018926 |  |  |  |  | Original P&I |  | 2217.07 | Verified | Field Value reflects Note value |
|  | 584018926 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 584018926 |  |  |  |  | Appraisal Effective Date |  | 2025-02-24 | Verified | Tape Value reflects Appraisal Date |
|  | 584018926 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 584018926 |  |  |  |  | Cash From Borrower |  | 265610.56 | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Original HLTV |  | 56.52174 | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | PITIA Reserves Months | 6.00 | 426.11 | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Loan to Cost (LTC) |  | 56.52174 | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 584018926 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 530536109 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 530536109 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 530536109 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 530536109 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530536109 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 530536109 |  |  |  |  | Original P&I | 830.29 | 1128.71 | Verified | Field Value reflects Note value |
|  | 530536109 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 530536109 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 530536109 |  |  |  |  | Cash To Borrower | 45237.60 | 46081.25 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Appraisal Effective Date |  | 2025-02-24 | Verified | Tape Value reflects Appraisal Date |
|  | 530536109 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 530536109 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | PITIA Reserves Months | 6.00 | 32.53 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Loan to Cost (LTC) |  | 130.837 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 530536109 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 501495068 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 501495068 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 501495068 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 501495068 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 501495068 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 501495068 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 501495068 |  |  |  |  | Original P&I | 852.00 | 1389.84 | Verified | Field Value reflects Note value |
|  | 501495068 |  |  |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
|  | 501495068 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 501495068 |  |  |  |  | Cash To Borrower | 81494.55 | 80488.74 | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Appraisal Effective Date |  | 2025-03-12 | Verified | Tape Value reflects Appraisal Date |
|  | 501495068 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
|  | 501495068 |  |  |  |  | Original HLTV |  | 64.91228 | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | PITIA Reserves Months | 6.00 | 61.77 | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Loan to Cost (LTC) |  | 194.73684 | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 501495068 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 595741287 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 595741287 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 595741287 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595741287 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 595741287 |  |  |  |  | Original P&I | 0.00 | 2082.39 | Verified | Field Value reflects Note value |
|  | 595741287 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 595741287 |  |  |  |  | Cash To Borrower | 290231.38 | 288008.13 | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | Appraisal Effective Date |  | 2025-03-03 | Verified | Field Value captured from Valuation model in file |
|  | 595741287 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 595741287 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | PITIA Reserves Months | 6.00 | 105.30 | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 595741287 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 503447436 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 503447436 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 503447436 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 503447436 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 503447436 |  |  |  |  | Original P&I |  | 971.59 | Verified | Field Value reflects Note value |
|  | 503447436 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 503447436 |  |  |  |  | Appraisal Effective Date |  | 2025-03-15 | Verified | Tape Value reflects Appraisal Date |
|  | 503447436 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 503447436 |  |  |  |  | Cash From Borrower |  | 40107.17 | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | Original HLTV |  | 69.79167 | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | PITIA Reserves Months | 6.00 | 17.69 | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | Loan to Cost (LTC) |  | 69.79167 | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 503447436 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 511883449 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 582232610 |  |  |  |  | Representative FICO | 716 | 756 | Verified | Borrowers with 50/50 split ownership of the business, field value reflects highest mid FICO score |
|  | 503344079 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 503344079 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 503344079 |  |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 503344079 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 503344079 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 503344079 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 503344079 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 503344079 |  |  |  |  | Original P&I |  | 13285.08 | Verified | Field Value reflects Note value |
|  | 503344079 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 503344079 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 503344079 |  |  |  |  | Appraisal Effective Date |  | 2025-03-05 | Verified | Tape Value reflects Appraisal Date |
|  | 503344079 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 503344079 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 503344079 |  |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 503344079 |  |  |  |  | Cash From Borrower |  | 225769.17 | Verified | Field value reflects source document |
|  | 503344079 |  |  |  |  | Total Income |  | 293516.00 | Verified | Field value reflects source document |
|  | 503344079 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 20 | 9.29 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 503344079 |  |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 503344079 |  |  |  |  | PITIA Reserves Months | 6.00 | 59.73 | Verified | Field value reflects source document |
|  | 503344079 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 503344079 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 569094138 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 569094138 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 569094138 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 569094138 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 569094138 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 569094138 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 569094138 |  |  |  |  | Original P&I |  | 10557.01 | Verified | Field Value reflects Note value |
|  | 569094138 |  |  |  |  | Property Type |  | Condo (High Rise) | Verified | Field Value reflects the Approval/AUS in file. |
|  | 569094138 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 569094138 |  |  |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
|  | 569094138 |  |  |  |  | Appraisal Effective Date |  | 2024-11-08 | Verified | Tape Value reflects Appraisal Date |
|  | 569094138 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 569094138 |  |  |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 569094138 |  |  |  |  | Cash From Borrower |  | 496269.61 | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | Total Income |  | 92837.25 | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 20.58 | 16.91612 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 569094138 |  |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | PITIA Reserves Months | 6.00 | 0.11 | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 569094138 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 526089832 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 526089832 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 526089832 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 526089832 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 526089832 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 526089832 |  |  |  |  | Original P&I | 1419.00 | 5387.01 | Verified | Field Value reflects Note value |
|  | 526089832 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 526089832 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 526089832 |  |  |  |  | Cash To Borrower | 430169.54 | 460033.57 | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Appraisal Effective Date |  | 2025-03-04 | Verified | Tape Value reflects Appraisal Date |
|  | 526089832 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 526089832 |  |  |  |  | Total Income |  | 663668.69 | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | PITIA Reserves Months | 6.00 | 65.93 | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 526089832 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 582432894 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.501 | 35.32303 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 566016653 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 566016653 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 566016653 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 566016653 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 566016653 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 566016653 |  |  |  |  | Original P&I |  | 1224.16 | Verified | Field Value reflects Note value |
|  | 566016653 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 566016653 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 566016653 |  |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
|  | 566016653 |  |  |  |  | Appraisal Effective Date |  | 2025-02-28 | Verified | Field Value captured from Valuation model in file |
|  | 566016653 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 566016653 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 566016653 |  |  |  |  | Cash From Borrower |  | 187620.38 | Verified | Field value reflects source document |
|  | 566016653 |  |  |  |  | Total Income |  | 9102.20 | Verified | Field value reflects source document |
|  | 566016653 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.26 | 49.91738 | Verified | Correctly updated |
|  | 566016653 |  |  |  |  | Original HLTV |  | 50.54945 | Verified | Field value reflects source document |
|  | 566016653 |  |  |  |  | PITIA Reserves Months | 6.00 | 8.32 | Verified | Field value reflects source document |
|  | 566016653 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 566016653 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 537297939 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 537297939 |  |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 537297939 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 537297939 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 537297939 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 537297939 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 537297939 |  |  |  |  | Original P&I |  | 1954.37 | Verified | Field Value reflects Note value |
|  | 537297939 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 537297939 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 537297939 |  |  |  |  | Appraisal Effective Date |  | 2025-03-11 | Verified | Tape Value reflects Appraisal Date |
|  | 537297939 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 537297939 |  |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 537297939 |  |  |  |  | Cash From Borrower |  | 80946.80 | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | Total Income |  | 41943.54 | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 25.77 | 23.51626 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 537297939 |  |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | PITIA Reserves Months | 6.00 | 31.74 | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 537297939 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 595854288 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.639 | 42.01975 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 577600964 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 554974260 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 572400891 |  |  |  |  | Representative FICO | 825 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 501377141 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 540269767 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 576044790 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 576044790 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 576044790 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 576044790 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 576044790 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 576044790 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 576044790 |  |  |  |  | Original P&I |  | 3347.68 | Verified | Field Value reflects Note value |
|  | 576044790 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note rider |
|  | 576044790 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 576044790 |  |  |  |  | Appraisal Effective Date |  | 2025-02-20 | Verified | Tape Value reflects Appraisal Date |
|  | 576044790 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 576044790 |  |  |  |  | Cash From Borrower |  | 84080.08 | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | Total Income |  | 9796.25 | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | Original HLTV |  | 85 | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | PITIA Reserves Months | 6.00 | 6.09 | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | Borrower Citizenship | US Citizen | Permanent Resident Alien | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 576044790 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 560274716 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 560274716 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 560274716 |  |  |  |  | Original CLTV |  | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 537555562 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 540644555 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 583953288 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 583953288 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 583953288 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 583953288 |  |  |  |  | Representative FICO | 734 | 673 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 583953288 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 583953288 |  |  |  |  | First Interest Rate Change Date |  | 2032-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 583953288 |  |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 583953288 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 583953288 |  |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 583953288 |  |  |  |  | Interest Rate Life Floor | 2 | 4 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 583953288 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 518718019 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514270380 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 514270380 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 514270380 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 514270380 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 514270380 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 514270380 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 514270380 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 514270380 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 12.213 | 10.17581 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 514270380 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 565144759 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 565144759 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 565144759 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 565144759 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 565144759 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 565144759 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 563241389 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 563241389 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563241389 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 563241389 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 563241389 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 563241389 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 533981969 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 533981969 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 533981969 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 533981969 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 533981969 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 533981969 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 546041536 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546041536 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546041536 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546041536 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 546041536 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 546041536 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 546041536 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.08 | Verified | Field value reflects source document |
|  | 595618310 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 595618310 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 595618310 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595618310 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 595618310 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 595618310 |  |  |  |  | First Interest Rate Change Date |  | 2030-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 595618310 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 595618310 |  |  |  |  | Interest Rate Life Floor | 2 | 3.875 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 595618310 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 595618310 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.15 | Verified | Field value reflects source document |
|  | 556472567 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 556472567 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 556472567 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 556472567 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 556472567 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 556472567 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 556472567 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 556472567 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.02 | Verified | Field value reflects source document |
|  | 573943242 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 573943242 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 573943242 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 573943242 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 573943242 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 573943242 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 522201128 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | DSCR Rounded Up. |
|  | 536588338 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 536588338 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 532212565 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 532212565 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 532212565 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 532212565 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance Transaction. |
|  | 564027501 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 564027501 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 564027501 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | It is refinance loan |
|  | 508481091 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 508481091 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 508481091 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 521673357 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance transaction. |
|  | 523949996 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 523949996 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 523949996 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 523949996 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 523949996 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 523949996 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 523949996 |  |  |  |  | Original P&I |  | 1654.91 | Verified | Field Value reflects Note value |
|  | 523949996 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 523949996 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 523949996 |  |  |  |  | Appraisal Effective Date |  | 2024-12-10 | Verified | Tape Value reflects Appraisal Date |
|  | 523949996 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 523949996 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 523949996 |  |  |  |  | Cash From Borrower |  | 114339.06 | Verified | Field value reflects source document |
|  | 523949996 |  |  |  |  | Original HLTV |  | 69.9997 | Verified | Field value reflects source document |
|  | 523949996 |  |  |  |  | PITIA Reserves Months | 6.00 | 47.43 | Verified | Field value reflects source document |
|  | 523949996 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 523949996 |  |  |  |  | Loan to Cost (LTC) |  | 69.9997 | Verified | Field value reflects source document |
|  | 523949996 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 523949996 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 541885942 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 541885942 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 541885942 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 541885942 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 541885942 |  |  |  |  | Original P&I |  | 1727.58 | Verified | Field Value reflects Note value |
|  | 541885942 |  |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 541885942 |  |  |  |  | Appraisal Effective Date |  | 2025-02-18 | Verified | Tape Value reflects Appraisal Date |
|  | 541885942 |  |  |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 541885942 |  |  |  |  | Cash From Borrower |  | 99380.74 | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | PITIA Reserves Months | 6.00 | 19.05 | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Loan to Cost (LTC) |  | 75 | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 541885942 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 550203100 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 550203100 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 550203100 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 550203100 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 550203100 |  |  |  |  | Original P&I |  | 6118.13 | Verified | Field Value reflects Note value |
|  | 550203100 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 550203100 |  |  |  |  | Appraisal Effective Date |  | 2025-02-01 | Verified | Tape Value reflects Appraisal Date |
|  | 550203100 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 550203100 |  |  |  |  | Cash From Borrower |  | 438609.66 | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Original HLTV |  | 72.91667 | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | PITIA Reserves Months | 12.00 | 22.30 | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Loan to Cost (LTC) |  | 72.91667 | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 550203100 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 504541998 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 504541998 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 504541998 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 504541998 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 504541998 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 504541998 |  |  |  |  | Original P&I |  | 1265.97 | Verified | Field Value reflects Note value |
|  | 504541998 |  |  |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
|  | 504541998 |  |  |  |  | Cash To Borrower | 164632.00 | 165238.31 | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Appraisal Effective Date |  | 2025-01-15 | Verified | Tape Value reflects Appraisal Date |
|  | 504541998 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
|  | 504541998 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 504541998 |  |  |  |  | Original HLTV |  | 60 | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | PITIA Reserves Months | 6.00 | 111.19 | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 504541998 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 599216482 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 599216482 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 599216482 |  |  |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
|  | 599216482 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 599216482 |  |  |  |  | Original P&I | 1611.00 | 1940.00 | Verified | Field Value reflects Note value |
|  | 599216482 |  |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 599216482 |  |  |  |  | Cash To Borrower | 28406.14 | 32926.62 | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | Appraisal Effective Date |  | 2025-03-18 | Verified | Tape Value reflects Appraisal Date |
|  | 599216482 |  |  |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 599216482 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 599216482 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | PITIA Reserves Months | 6.00 | 13.98 | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 599216482 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 530367707 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 530367707 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 530367707 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 530367707 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 530367707 |  |  |  |  | Original P&I |  | 3188.42 | Verified | Field Value reflects Note value |
|  | 530367707 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 530367707 |  |  |  |  | Appraisal Effective Date |  | 2025-03-09 | Verified | Tape Value reflects Appraisal Date |
|  | 530367707 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 530367707 |  |  |  |  | Cash From Borrower |  | 128381.07 | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | PITIA Reserves Months | 6.00 | 31.81 | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | Loan to Cost (LTC) |  | 80 | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 530367707 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 595130590 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 595130590 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 595130590 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 595130590 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 595130590 |  |  |  |  | Original P&I | 0.00 | 1036.70 | Verified | Field Value reflects Note value |
|  | 595130590 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 595130590 |  |  |  |  | Cash To Borrower | 140504.38 | 134987.54 | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Appraisal Effective Date |  | 2025-03-14 | Verified | Tape Value reflects Appraisal Date |
|  | 595130590 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 595130590 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 595130590 |  |  |  |  | Original HLTV |  | 19.12102 | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | PITIA Reserves Months | 6.00 | 90.50 | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Loan Property Count | 4 | 1 | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 595130590 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 574445741 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 551548955 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 551548955 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 551548955 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 551548955 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 551548955 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 551548955 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 551548955 |  |  |  |  | Original P&I |  | 8652.78 | Verified | Field Value reflects Note value |
|  | 551548955 |  |  |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 551548955 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 551548955 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 551548955 |  |  |  |  | Appraisal Effective Date |  | 2025-01-31 | Verified | Tape Value reflects Appraisal Date |
|  | 551548955 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 551548955 |  |  |  |  | Borrower FTHB | 1 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 551548955 |  |  |  |  | Cash From Borrower |  | 408287.62 | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Total Income |  | 22982.00 | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | PITIA Reserves Months | 6.00 | 24.86 | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 551548955 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 565066495 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 565066495 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 565066495 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Amortization Term |  | 360 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Maturity Date |  | XXX | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Original P&I |  | 2761.22 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Interest Only |  | 1 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Doc Type | Fastrack | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 565066495 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 565066495 |  |  |  |  | Appraisal Effective Date |  | 2025-03-18 | Verified | Tape Value reflects Appraisal Date |
|  | 565066495 |  |  |  |  | Product Description | Prime Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 565066495 |  |  |  |  | Neg Am |  | 0 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Cash From Borrower |  | 121029.96 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Total Income |  | 26272.88 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.8 | 47.37893 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 565066495 |  |  |  |  | Original HLTV |  | 80.00008 | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | PITIA Reserves Months | 12.00 | 14.67 | Verified | Field value reflects source document |
|  | 565066495 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | The Bid Tape Field Value was not provided. |
|  | 565066495 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 568276094 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568276094 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Using recent listing sale price |
|  | 576335718 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 576335718 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 548423521 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 548423521 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 548423521 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548423521 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 548423521 |  |  |  |  | Original P&I |  | 5588.02 | Verified | Field Value reflects Note value |
|  | 548423521 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 548423521 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 548423521 |  |  |  |  | Appraisal Effective Date |  | 2025-02-11 | Verified | Tape Value reflects Appraisal Date |
|  | 548423521 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 548423521 |  |  |  |  | Cash From Borrower |  | 669929.32 | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | Total Income |  | 535849.53 | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | Original HLTV |  | 56.52174 | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | PITIA Reserves Months | 12.00 | 31.40 | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 548423521 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 577266677 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | refinance transaction |
|  | 577266677 |  |  |  |  | Original CLTV | 49.2 | 51.25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 577266677 |  |  |  |  | Original LTV | 49.2 | 51.25 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 577266677 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 572215679 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 572215679 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 572215679 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 572215679 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 572215679 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 572215679 |  |  |  |  | Original P&I |  | 4093.06 | Verified | Field Value reflects Note value |
|  | 572215679 |  |  |  |  | Interest Only |  | 0 | Verified | Verified from Note document |
|  | 572215679 |  |  |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
|  | 572215679 |  |  |  |  | Appraisal Effective Date |  | 2025-03-12 | Verified | Field Value captured from Valuation model in file |
|  | 572215679 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 572215679 |  |  |  |  | Neg Am |  | 0 | Verified | Verified from Note document |
|  | 572215679 |  |  |  |  | Cash From Borrower |  | 163444.52 | Verified | Verified from CD document |
|  | 572215679 |  |  |  |  | Total Income |  | 16312.75 | Verified | Field value reflects source document |
|  | 572215679 |  |  |  |  | Original HLTV |  | 80 | Verified | Verified from 1008 document |
|  | 572215679 |  |  |  |  | PITIA Reserves Months | 6.00 | 11.51 | Verified | Field value reflects source document |
|  | 572215679 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Verified from 1003 document |
|  | 572215679 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 563069034 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 563069034 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 563069034 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 563069034 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563069034 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 563069034 |  |  |  |  | Original P&I |  | 1506.24 | Verified | Field Value reflects Note value |
|  | 563069034 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value reflects the Approval/AUS in file. |
|  | 563069034 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note rider |
|  | 563069034 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 563069034 |  |  |  |  | Appraisal Effective Date |  | 2025-03-21 | Verified | Tape Value reflects Appraisal Date |
|  | 563069034 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 563069034 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 563069034 |  |  |  |  | Cash From Borrower |  | 71944.51 | Verified | Field value reflects source document |
|  | 563069034 |  |  |  |  | Total Income |  | 265368.78 | Verified | Field value reflects source document |
|  | 563069034 |  |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 563069034 |  |  |  |  | PITIA Reserves Months | 6.00 | 461.23 | Verified | Field value reflects source document |
|  | 563069034 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 563069034 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 516313510 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 597360547 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 577811777 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 20.497 | 14.34877 | Verified | Lender included cost of FL property however property sold at time of closing. |
|  | 536178909 |  |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 536178909 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 536178909 |  |  |  |  | Representative FICO | 798 | 810 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 501927797 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 581720443 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 581720443 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 581720443 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 581720443 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 581720443 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 581720443 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 24.998 | 18.06331 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 581720443 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 559931490 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 559931490 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 559931490 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 559931490 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 559931490 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 559931490 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Unable to verify due to missing information |
|  | 560450967 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 560450967 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 560450967 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 560450967 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 560450967 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 560450967 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 581766475 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 581766475 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 581766475 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 581766475 |  |  |  |  | Representative FICO | 800 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 581766475 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 581766475 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 581766475 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.091 | 39.74395 | Verified | Updated to 12 month bank statement program per client request |
|  | 581766475 |  |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 559209933 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 559209933 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 559209933 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 559209933 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 559209933 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 550383471 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 550383471 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 550383471 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 550383471 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 550383471 |  |  |  |  | Maturity Date | XXX | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 550383471 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 550383471 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 550383471 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 550383471 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 533947644 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 533947644 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 533947644 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 533947644 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 533947644 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 533947644 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 581674773 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 581674773 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 581674773 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 581674773 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 581674773 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 574745776 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 574745776 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 574745776 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 574745776 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 574745776 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 574745776 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 564003731 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 564003731 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 564003731 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 564003731 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 564003731 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 564003731 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 513969316 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 513969316 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 513969316 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 513969316 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 513969316 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 513969316 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 571225721 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 571225721 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 571225721 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 571225721 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 571225721 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 571225721 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 571225721 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 543527689 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 543527689 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 543527689 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 543527689 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 543527689 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 543527689 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 558347311 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 558347311 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 558347311 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 558347311 |  |  |  |  | Representative FICO | 737 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 558347311 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 558347311 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 558347311 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 577333247 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 577333247 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 577333247 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 577333247 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 577333247 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 577333247 |  |  |  |  | Guideline Name |  | ARC Access - Alt Income(No Ratio) 3.11.24 | Verified | Field value reflects source document |
|  | 579264958 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 579264958 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 579264958 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 579264958 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 579264958 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 522440019 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 522440019 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 522440019 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 522440019 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 522440019 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 522440019 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 568836642 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 568836642 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 568836642 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 568836642 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 568836642 |  |  |  |  | Representative FICO | 698 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 568836642 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 568836642 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 568836642 |  |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 500929139 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 500929139 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500929139 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 500929139 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 500929139 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 563167891 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 563167891 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563167891 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 563167891 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 563167891 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 563167891 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 502256735 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 502256735 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 502256735 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 502256735 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 502256735 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 542225560 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 511828547 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 511828547 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 511828547 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 511828547 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 511828547 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 511828547 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 533732085 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 533732085 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 533732085 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 533732085 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 533732085 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 527737333 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 527737333 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 527737333 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 527737333 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 527737333 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 527737333 |  |  |  |  | Guideline Name |  | ARC Access - Alt Income(No Ratio) 3.11.24 | Verified | Field value reflects source document |
|  | 515397906 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 515397906 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 515397906 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 515397906 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 515397906 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 515397906 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 515397906 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.987 | 37.42014 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 515397906 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 506188134 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 506188134 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 506188134 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 506188134 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 506188134 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 506188134 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 506188134 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 511586504 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 511586504 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 511586504 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 511586504 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 511586504 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 511586504 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 587812005 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 587812005 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 587812005 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 587812005 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 587812005 |  |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 4.23.25 | Verified | Field value reflects source document |
|  | 562169710 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 562169710 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 562169710 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 562169710 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 562169710 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 562169710 |  |  |  |  | Guideline Name |  | CMG Non QM Guidelines 5.22.25 | Verified | Field value reflects source document |
|  | 533586744 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 533586744 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 533586744 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 533586744 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 533586744 |  |  |  |  | First Interest Rate Change Date |  | 2032-06-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 533586744 |  |  |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
|  | 533586744 |  |  |  |  | Interest Rate Initial Cap | 1 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 533586744 |  |  |  |  | Interest Rate Life Floor | 1 | 3.25 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 533586744 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 550704907 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 550704907 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 550704907 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 550704907 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 550704907 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 550704907 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 516889170 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 516889170 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 516889170 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 516889170 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 516889170 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 529977830 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 529977830 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 529977830 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 529977830 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 529977830 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 529977830 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 548843525 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 548843525 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 548843525 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 548843525 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 548843525 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 5.16.24 | Verified | Field value reflects source document |
|  | 578374414 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 578374414 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 578374414 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 578374414 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 578374414 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 578374414 |  |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 537301940 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 537301940 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 537301940 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 537301940 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 537301940 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 537301940 |  |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 534593540 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 534593540 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 534593540 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 534593540 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 534593540 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 534593540 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 534593540 |  |  |  |  | Subject Debt Service Coverage Ratio | 3.02 | 4.12 | Verified | Field value reflects source document |
|  | 549259061 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 549259061 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 549259061 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 549259061 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 549259061 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 549259061 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 549259061 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 549259061 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.77 | 0.81 | Verified | Field value reflects source document |
|  | 575984822 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 575984822 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 575984822 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 575984822 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 575984822 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 575984822 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 575984822 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.00 | Verified | Field value reflects source document |
|  | 527140005 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 527140005 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 527140005 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 527140005 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 527140005 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 527140005 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 527140005 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 527140005 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.27 | Verified | Field value reflects source document |
|  | 521688661 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 521688661 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 521688661 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 521688661 |  |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 521688661 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 521688661 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 521688661 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 521688661 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.45 | 1.94 | Verified | Field value reflects source document |
|  | 597252412 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 597252412 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 597252412 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 597252412 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 597252412 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 597252412 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 597252412 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.95 | 1.00 | Verified | Field value reflects source document |
|  | 535507252 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 535507252 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 535507252 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 535507252 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 535507252 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 535507252 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 535507252 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.33 | Verified | Field value reflects source document |
|  | 554387343 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 554387343 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 554387343 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 554387343 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 554387343 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 554387343 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.24 | Verified | Field value reflects source document |
|  | 545143792 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 545143792 |  |  |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
|  | 545143792 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 545143792 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.12 | Verified | Field value reflects source document |
|  | 545143792 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 545143792 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 545143792 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 545143792 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 510593045 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 510593045 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 510593045 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 510593045 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 510593045 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 510593045 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 510593045 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 1530.569 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 510593045 |  |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 1.22.25 | Verified | Field value reflects source document |
|  | 510593045 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.07 | Verified | Field value reflects source document |
|  | 511645699 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 511645699 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 511645699 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 511645699 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 511645699 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 511645699 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 511645699 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | Verified | Unable to verify due to missing information |
|  | 582180600 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 582180600 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 582180600 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 582180600 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 582180600 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 582180600 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 582180600 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 582180600 |  |  |  |  | Subject Debt Service Coverage Ratio | 2.00 | 1.53 | Verified | Field value reflects source document |
|  | 503132953 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 503132953 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 503132953 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 503132953 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 503132953 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 503132953 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 503132953 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 503132953 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.80 | 0.88 | Verified | Field value reflects source document |
|  | 551323996 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 551323996 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 551323996 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 551323996 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 551323996 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 551323996 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 551323996 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 551323996 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.23 | Verified | Field value reflects source document |
|  | 573191896 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 573191896 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 573191896 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 573191896 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 573191896 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 573191896 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 573191896 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.27 | Verified | Field value reflects source document |
|  | 547047618 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 547047618 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 547047618 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 547047618 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 547047618 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 547047618 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 547047618 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 547047618 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.34 | Verified | Field value reflects source document |
|  | 528307480 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 528307480 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 528307480 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 528307480 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 528307480 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 509830623 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 585324729 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 537166131 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 537166131 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 537166131 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 537166131 |  |  |  |  | Original CLTV | 75 | 61.22449 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 537166131 |  |  |  |  | Original LTV | 75 | 61.22449 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 537166131 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 514381231 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 514381231 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 514381231 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 514381231 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 500084469 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 500084469 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 500084469 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 500084469 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 500084469 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 500084469 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500084469 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 500084469 |  |  |  |  | Original P&I |  | 1980.73 | Verified | Field Value reflects Note value |
|  | 500084469 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 500084469 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 500084469 |  |  |  |  | Appraisal Effective Date |  | 2025-03-10 | Verified | Tape Value reflects Appraisal Date |
|  | 500084469 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 500084469 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 500084469 |  |  |  |  | Cash From Borrower |  | 144060.19 | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | PITIA Reserves Months | 6.00 | 41.85 | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Loan to Cost (LTC) |  | 70 | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 500084469 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 506517565 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 506517565 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 506517565 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 506517565 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 506517565 |  |  |  |  | Original P&I |  | 1808.52 | Verified | Field Value reflects Note value |
|  | 506517565 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 506517565 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 506517565 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 506517565 |  |  |  |  | Appraisal Effective Date |  | 2025-03-23 | Verified | Tape Value reflects Appraisal Date |
|  | 506517565 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 506517565 |  |  |  |  | Cash From Borrower |  | 138854.05 | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | Original HLTV |  | 69.99987 | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | PITIA Reserves Months | 6.00 | 71.75 | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | Loan to Cost (LTC) |  | 69.99987 | Verified | Field value reflects source document |
|  | 506517565 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 501202451 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 501202451 |  |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 501202451 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 501202451 |  |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 501202451 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 501202451 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 501202451 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 501202451 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 501202451 |  |  |  |  | Original P&I |  | 1280.62 | Verified | Field Value reflects Note value |
|  | 501202451 |  |  |  |  | Representative FICO | 763 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 501202451 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 501202451 |  |  |  |  | Appraisal Effective Date |  | 2025-03-13 | Verified | Tape Value reflects Appraisal Date |
|  | 501202451 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 501202451 |  |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 501202451 |  |  |  |  | Cash From Borrower |  | 208926.11 | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Original HLTV |  | 50 | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | PITIA Reserves Months | 6.00 | 16.42 | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Loan to Cost (LTC) |  | 50 | Verified | Field value reflects source document |
|  | 501202451 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 594695874 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 515754678 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 515754678 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 515754678 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 515754678 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 515754678 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 515754678 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 515754678 |  |  |  |  | Original P&I | 2254.75 | 5530.60 | Verified | Field Value reflects Note value |
|  | 515754678 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 515754678 |  |  |  |  | Cash To Borrower | 828478.83 | 838431.85 | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Appraisal Effective Date |  | 2025-03-26 | Verified | Tape Value reflects Appraisal Date |
|  | 515754678 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 515754678 |  |  |  |  | Original HLTV |  | 37.23404 | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | PITIA Reserves Months | 9.00 | 112.14 | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 515754678 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 529687866 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 529687866 |  |  |  |  | LTV Valuation Value | XXX | XXX | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 566946711 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 566946711 |  |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 566946711 |  |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 566946711 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 566946711 |  |  |  |  | Original Loan Amount | XXX | XXX | Verified | Field Value reflects the Note value |
|  | 566946711 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 566946711 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 566946711 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 566946711 |  |  |  |  | Original P&I |  | 2417.36 | Verified | Field Value reflects Note value |
|  | 566946711 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 566946711 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 566946711 |  |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 566946711 |  |  |  |  | Original CLTV | 61.54 | 53.84615 | 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) |
|  | 566946711 |  |  |  |  | Original LTV | 61.54 | 53.84615 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
|  | 566946711 |  |  |  |  | Appraisal Effective Date |  | 2025-03-26 | Verified | Tape Value reflects Appraisal Date |
|  | 566946711 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 566946711 |  |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 566946711 |  |  |  |  | Cash From Borrower |  | 304679.37 | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Total Income |  | 103644.86 | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 10.46 | 14.72462 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 566946711 |  |  |  |  | Original HLTV |  | 53.84615 | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Escrow Account | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | PITIA Reserves Months | 6.00 | 126.72 | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 566946711 |  |  |  |  | Blanket Mortgage? | 0 |  | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 525773027 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 525773027 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 525773027 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 525773027 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 525773027 |  |  |  |  | Original P&I | 0.00 | 1364.35 | Verified | Field Value reflects Note value |
|  | 525773027 |  |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 525773027 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 525773027 |  |  |  |  | Doc Type | Alt | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
|  | 525773027 |  |  |  |  | Cash To Borrower | 188112.99 | 187308.50 | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Appraisal Effective Date |  | 2025-03-14 | Verified | Tape Value reflects Appraisal Date |
|  | 525773027 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 525773027 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 525773027 |  |  |  |  | Total Income |  | 15262.71 | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 30 | 27.9546 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 525773027 |  |  |  |  | Original HLTV |  | 30.76923 | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | PITIA Reserves Months | 6.00 | 474.65 | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 525773027 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 595487509 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 560925388 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 560925388 |  |  |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 540470775 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 540470775 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 540470775 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 540470775 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 540470775 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 540470775 |  |  |  |  | Original P&I |  | 3683.75 | Verified | Field Value reflects Note value |
|  | 540470775 |  |  |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 540470775 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 540470775 |  |  |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
|  | 540470775 |  |  |  |  | Appraisal Effective Date |  | 2025-03-12 | Verified | Field Value captured from Valuation model in file |
|  | 540470775 |  |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 540470775 |  |  |  |  | Cash From Borrower |  | 22089.38 | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | Total Income |  | 12446.67 | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45 | 41.18571 | Verified | Correctly updated as per document |
|  | 540470775 |  |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | PITIA Reserves Months | 6.00 | 61.67 | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 540470775 |  |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 598067562 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 594949565 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594949565 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594949565 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594949565 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 594949565 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594949565 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 594949565 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 9.6.24 | Verified | Field value reflects source document |
|  | 546122288 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 546122288 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 546122288 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 546122288 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Security Instrument |
|  | 546122288 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 546122288 |  |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 505837892 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 505837892 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 505837892 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 505837892 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 505837892 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 505837892 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 505837892 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 559287846 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 559287846 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 559287846 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 559287846 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 559287846 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 559287846 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 573884843 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 573884843 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 573884843 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 573884843 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 573884843 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 573884843 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 573884843 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 573884843 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 508983883 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 508983883 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 508983883 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 508983883 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 508983883 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 561511095 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 561511095 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 561511095 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 561511095 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 561511095 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 594457946 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 594457946 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 594457946 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 594457946 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 594457946 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 594457946 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 504436523 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 504436523 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 504436523 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 504436523 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 504436523 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 504436523 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 5.1.25 | Verified | Field value reflects source document |
|  | 590958176 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 590958176 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 590958176 |  |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 590958176 |  |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 590958176 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 590958176 |  |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 590958176 |  |  |  |  | First Interest Rate Change Date |  | 2032-06-06 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 590958176 |  |  |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
|  | 590958176 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 590958176 |  |  |  |  | Interest Rate Initial Cap | 1 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 590958176 |  |  |  |  | Interest Rate Life Floor | 1 | 3.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 590958176 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 17.082 | 19.77862 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 590958176 |  |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 5.1.25 | Verified | Field value reflects source document |
|  | 503378431 |  |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 503378431 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 503378431 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 503378431 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 503378431 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 503378431 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 503378431 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 30.001 | 33.0448 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 503378431 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 4.23.25 | Verified | Field value reflects source document |
|  | 557641084 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 557641084 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 557641084 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 557641084 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 557641084 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 500120930 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 500120930 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 500120930 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 500120930 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 500120930 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 500120930 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 4.23.25 | Verified | Field value reflects source document |
|  | 528666055 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 528666055 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 528666055 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 528666055 |  |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 528666055 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 528666055 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 528666055 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 528666055 |  |  |  |  | Subject Debt Service Coverage Ratio | 0.88 | 0.89 | Verified | Field value reflects source document |
|  | 563838874 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 563838874 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 563838874 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 563838874 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 563838874 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 563838874 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 563838874 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.02 | Verified | Field value reflects source document |
|  | 596676593 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 596676593 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 596676593 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 596676593 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 596676593 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 596676593 |  |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 596676593 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.05 | Verified | Field value reflects source document |
|  | 576638323 |  |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 576638323 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 576638323 |  |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 576638323 |  |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 576638323 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 527395572 |  |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 527395572 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 527395572 |  |  |  |  | Original Loan Amount | XXX | XXX | Verified | Field Value reflects the Note value |
|  | 527395572 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 527395572 |  |  |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
|  | 527395572 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 527395572 |  |  |  |  | Original Interest Rate | 7.5 | 7.125 | Verified | Field Value reflects the Note value |
|  | 527395572 |  |  |  |  | Original P&I |  | 2206.86 | Verified | Field Value reflects Note value |
|  | 527395572 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 527395572 |  |  |  |  | Interest Only Period | 120 |  | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 527395572 |  |  |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
|  | 527395572 |  |  |  |  | Cash To Borrower | 343028.69 |  | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | Original CLTV | 75 | 63.98537 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 527395572 |  |  |  |  | Original LTV | 75 | 63.98537 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 527395572 |  |  |  |  | Appraisal Effective Date |  | 2025-03-08 | Verified | Tape Value reflects Appraisal Date |
|  | 527395572 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 527395572 |  |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 527395572 |  |  |  |  | Cash From Borrower |  | 22752.16 | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | Original HLTV |  | 63.98537 | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | PITIA Reserves Months | 9.00 | 5.78 | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 527395572 |  |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 544358387 |  |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 544358387 |  |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 544358387 |  |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 544358387 |  |  |  |  | Maturity Date |  | XXX | Verified | Field Value reflects Maturity Date per the Note |
|  | 544358387 |  |  |  |  | Original P&I |  | 2591.85 | Verified | Field Value reflects Note value |
|  | 544358387 |  |  |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 544358387 |  |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 544358387 |  |  |  |  | Cash To Borrower | 315491.00 | 319939.04 | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Appraisal Effective Date |  | 2025-02-13 | Verified | Field Value captured from Valuation model in file |
|  | 544358387 |  |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 544358387 |  |  |  |  | Original HLTV |  | 58.7931 | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | PITIA Reserves Months | 6.00 | 86.30 | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Universal Loan Identifier (ULI) |  | XXX | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Last Property Transfer Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 544358387 |  |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 556235600 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 556235600 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 556235600 |  |  |  |  | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 556235600 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
|  | 591065895 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 591065895 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 591065895 |  |  |  |  | Property Type | Single Family Attached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 591065895 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 562615100 |  |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 562615100 |  |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 562615100 |  |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 596331385 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 9.245 | 30.5782 | Verified | Rental income is not calculated for income qualification as per revised 1003/1008/AUS for subject investment property. |

---

## Exhibit 99.7

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.7**

![](ex997001.jpg)

**July 16, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex997002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *2* |
| &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 | 4 |
| &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** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

GCAT 2025-NQM4 Due Diligence Narrative Report Page \| 1 July 16, 2025

![](ex997002.jpg)

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex997003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex997003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of AmWest Funding Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 30 residential loans.

Blue River Mortgage V LLC subsequently purchased these loans via Reliance Letter and selected them for the GCAT 2025-NQM4 transaction.

The loans referenced in this narrative report were reviewed on a flow basis within the month of January 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**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;25 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;5 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |

---

**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 was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

Sampling

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

GCAT 2025-NQM4 Due Diligence Narrative Report Page \| 2 July 16, 2025

![](ex997002.jpg)

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;30 | &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;30 |  |

---

Sponsor Acquisition Criteria

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to each Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all of the changes to the guidelines with advance notice. Guidelines presented were:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Primary Guideline** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;AmWest/AmWest Advantage Program - MATRIX GUIDELINES - November 15, 2024/11/2024 | &nbsp;&nbsp;3 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;AmWest/AmWest Investor Advantage - MATRIX GUIDELINES - November 15, 2024/11/2024 | &nbsp;&nbsp;26 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;AmWest/Advantage Investor Plus - MATRIX GUIDELINES - November 15, 2024/11/2024 | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |

---

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, DBRS and Morningstar.

GCAT 2025-NQM4 Due Diligence Narrative Report Page \| 3 July 16, 2025

![](ex997002.jpg)

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.

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify risk evaluation report, which was located in each loan file, for income,
 employment, Nationwide Mortgage Licensing System and Registry ("NMLS") and
 occupancy status alerts. Clayton researched alert information against loan documentation
 and assigned loan conditions accordingly.

&nbsp;&nbsp;&nbsp;&nbsp;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 (30 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 (30 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;

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

For further detail please refer to the GCAT 2025-NQM4 Valuations Summary Report

GCAT 2025-NQM4 Due Diligence Narrative Report Page \| 4 July 16, 2025

![](ex997002.jpg)

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

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

On, June 15th, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFA's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a

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uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

<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).

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● 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)

● Sufficiency of coverage

● Escrow of insurance payments

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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.

**Data Compare Results**

Clayton provided Blue River Mortgage V LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Borrower 2 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;4 | &nbsp;&nbsp;86.67% |

---

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;23 |  | &nbsp;&nbsp;3 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**28** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**30** |

---

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 23 |  | 3 | 2 | **28** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **23** | **1** | **3** | **3** | **30** |

---

\*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** | 25 |  | 1 | 2 | **28** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **25** | **1** | **1** | **3** | **30** |

---

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**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 25 |  | 1 | 2 | **28** |
| **Final** | **B** |  | 1 |  | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **25** | **1** | **1** | **3** | **30** |

---

**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** | 29 |  | 1 |  | **30** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **29** | **0** | **1** | **0** | **30** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 29 |  | 1 |  | **30** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **29** | **0** | **1** | **0** | **30** |

---

**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** | 29 |  | 1 |  | **30** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **29** | **0** | **1** | **0** | **30** |

---

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**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 29 |  | 1 |  | **30** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **29** | **0** | **1** | **0** | **30** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Form
 15E

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Loan
 Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Waived
 Conditions Summary Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. NON-ATR
 QM Upload

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. ASF
 Upload

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

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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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

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

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

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

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

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

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

– Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

– Determined if mortgage insurance is required

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

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

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

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

– Social Security inconsistencies

– Borrower name variations

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

– Borrower address history

– Subject property ownership history

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

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

– Mortgage lender/originator

– Loan officer

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

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

– 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

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– 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

&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

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

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

**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)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0
 TRID Compliance Review 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:

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

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

● Interest-only periods and final balloon payments are accurately completed.

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

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

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● Alphabetization of fees.

● Title fees preceded by "Title –."

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

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

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

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

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

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

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

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● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

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

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

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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

---

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

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

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

---

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**C.** **Anti-Predatory** 

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

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

---

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

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced 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) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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See above for additional details on Consumer Protection Laws and the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope.

**F.** **Texas Equity** 

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

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

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## Exhibit 99.8

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.8**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GCAT 2025-NQM4** |
| **Start - End Dates:** | **1/3/2025 - 1/28/2025** |
| **Deal Loan Count:** | **30** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *30* |
| ***Loans with Conditions:*** | *7* |
| **1 - Total Active Conditions** | **1 - Total Active Conditions** |
| **1 - Non-Material Conditions** | **1 - Non-Material Conditions** |
|  | 1 - Credit Review Scope |
|  | 1 - Category: LTV/CLTV |
| **8 - Total Satisfied Conditions** | **8 - Total Satisfied Conditions** |
|  | 6 - Credit Review Scope |
|  | 3 - Category: Assets |
|  | 1 - Category: Insurance |
|  | 1 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: FEMA |
|  | 1 - Compliance Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
| **1 - Total Waived Conditions** | **1 - Total Waived Conditions** |
|  | 1 - Credit Review Scope |
|  | 1 - Category: LTV/CLTV |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GCAT 2025-NQM4** |
| **Start - End Dates:** | **1/3/2025 - 1/28/2025** |
| **Deal Loan Count:** | **30** |
| *Report Run Date:* |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *30* |
| ***Loans with Conditions:*** | *7* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Marketing ID** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXX | 533777502 | XXXXXX | NY | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 21 points above guideline minimum |
| XXXXXX | 505324542 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 9.61 months PITIA above guideline minimum. |
| XXXXXX | 549941569 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 39 points above guideline minimum |
| XXXXXX | 515728028 | XXXXXX | PA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 41 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current residence |
| XXXXXX | 561851687 | XXXXXX | MA | (No Data) | ATR/QM: Exempt B | Credit | LTV/CLTV | Active B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 69.81% LTV exceeds guideline maximum 65%. Loan amount $XXX / AIV $XXX. Max LTV based on FICO 678 and cash out is 65%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 38 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 2.17 months PITIA above guideline minimum. |
| XXXXXX | 578421127 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing PDI for Individual & Public declaration #XXX declaration date XXX, Wildfires and Straight-Line Winds | 1/30/25 - Lender provided the Post Disaster Inspection report reflecting no damage to the subject property. | 1/30/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 40 months PITI reserves above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 10 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| XXXXXX | 581508794 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 15 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 33.05 months PITIA above guideline minimum. |
| XXXXXX | 530261887 | XXXXXX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0 x 30 x 35 months |
| XXXXXX | 530600402 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 19.36 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 153 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 84.72 months PITIA above guideline minimum. |
| XXXXXX | 571274905 | XXXXXX | OK | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence for 10.8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 38.60 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: borrower LTV is < 41.33 points below guideline maximum. |
| XXXXXX | 543323308 | XXXXXX | AL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 10 points above guideline minimum<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30x30 |
| XXXXXX | 513699982 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | VOD in file is blank | 1/23/25 - Lender provided a copy of the VOD with the missing lending institution name. | 1/23/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 61 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage is 0x30x28 |
| XXXXXX | 513699982 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | VOD in file is blank | 1/23/25 - Lender provided a copy of the VOD with the missing lending institution name. | 1/23/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 61 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage is 0x30x28 |
| XXXXXX | 513699982 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | VOD in file is blank | 1/23/25 - Lender provided a copy of the VOD with the missing lending institution name. | 1/23/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 61 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage is 0x30x28 |
| XXXXXX | 579891392 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 54 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage is 0x30x39 |
| XXXXXX | 563488273 | XXXXXX | VA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 110 months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 50 points above guideline minimum |
| XXXXXX | 569651251 | XXXXXX | GA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 24.05 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 148 points above guideline minimum |
| XXXXXX | 569187368 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Declaration page of Hazard Insurance | 1/22/25 - Lender provided a copy of the HOI Declaration page, along with the full policy. | 1/22/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 679<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Private VOM reflects no late payments over the last 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 15 months PITI reserves above guideline minimum |
| XXXXXX | 569187368 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Credit score 679- Per guideline maximum LTV for cash out transaction is 65% | 1/23/25 - Upon further review, the compensating factors support reducing the exception to a non-material "B". | 1/23/25 - Exception is a non-material B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower score is 679<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Private VOM reflects no late payments over the last 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 15 months PITI reserves above guideline minimum |
| XXXXXX | 526013480 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Documents | 1/24/25 - Lender provided a copy of the Trust Certification. | 1/24/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 70 points above guideline |
| XXXXXX | 570928200 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 6 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 15 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 170 points above guideline minimum |
| XXXXXX | 524820625 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 90 points above guideline minimum<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0x30x39 |
| XXXXXX | 598768694 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 733 is greater than guideline minimum 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 116.39 months PITIA above guideline minimum. |
| XXXXXX | 555582140 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 138 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 21 months PITIA above guideline minimum. |
| XXXXXX | 562867862 | XXXXXX | NV | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: mortgage is 0x30x46<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 94 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 24.11 months PITIA above guideline minimum. |
| XXXXXX | 546068880 | XXXXXX | MI | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing supporting documentation borrower is 100% owner of XXX.(Mortgage and assets in entity name). Operating Agreement in file reflects XXX with XXX as sole owner. | 1/23/25 - Lender provided a copy of the Operating Agreement reflecting the borrower is 100% owner of the business. | 1/23/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 15 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x41 |
| XXXXXX | 553730059 | XXXXXX | FL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 5 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 111 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x63 consumer pay history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x57 mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 94.77 months PITIA above guideline minimum. |
| XXXXXX | 586641765 | XXXXXX | IA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 20.28 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 135 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x37<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 4.67 months PITIA above guideline minimum. |
| XXXXXX | 588471237 | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 152 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x83 consumer mortgage payment history. |
| XXXXXX | 503765353 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | 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. | 1/10/2025 Client provided a PCCD. Clayton determination QM RP vs. lender determination of QM SH. Variance due to APR of 8.159% exceeding test APR of 6.63% > 1.5%. Exception remains. 1/22/25 - Lender provided a revised tape reflecting Rebuttable Presumption. | 1/22/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 25 points below guideline maximum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > 6 months PITIA reserves above guideline minimum |
| XXXXXX | 505082360 | XXXXXX | MD | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: : Median FICO 174 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 9 months PITIA above guideline minimum. |
| XXXXXX | 566324082 | XXXXXX | OK | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| XXXXXX | 548681835 | XXXXXX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 108 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 14 months PITIA above guideline minimum. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GCAT 2025-NQM4** |
| **Start - End Dates:** | **1/3/2025 - 1/28/2025** |
| **Deal Loan Count:** | **30** |
| *Report Run Date:* |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *30* |
| ***Loans with Conditions:*** | *7* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Marketing ID** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| XXXXXX | 533777502 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 505324542 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 549941569 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 515728028 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 561851687 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| XXXXXX | 578421127 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| XXXXXX | 581508794 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 530261887 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 530600402 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 571274905 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 543323308 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 513699982 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| XXXXXX | 579891392 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 563488273 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 569651251 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 569187368 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| XXXXXX | 526013480 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| XXXXXX | 570928200 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 524820625 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 598768694 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 555582140 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 562867862 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 546068880 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| XXXXXX | 553730059 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 586641765 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 588471237 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 503765353 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| XXXXXX | 505082360 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 566324082 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| XXXXXX | 548681835 | Yes | XXXXXX | XXXXXX A | Not Applicable |

---

## Exhibit 99.9

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.9**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |
| **Client Project Name:** | GCAT 2025-NQM4 | GCAT 2025-NQM4 | GCAT 2025-NQM4 |  |  |
| **Start - End Dates:** | 1/3/2025 - 1/28/2025 | 1/3/2025 - 1/28/2025 | 1/3/2025 - 1/28/2025 |  |  |
| **Deal Loan Count:** | 30 | 30 | 30 |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *30* | *30* | *30* |  |  |
| **Loan Number** | **Marketing ID** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | 549941569 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 530600402 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 571274905 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 543323308 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 563488273 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 569651251 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 569651251 | XXXXXX | Combined LTV | 65.00 | 50.95 |
| XXXXXX | 569651251 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 569651251 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 569651251 | XXXXXX | Original LTV | 65.00 | 50.95 |
| XXXXXX | 569651251 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 526013480 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 598768694 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 555582140 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 588471237 | XXXXXX | Borrower 1 Total Income | 12015.00 | 12014.81 |
| XXXXXX | 503765353 | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| XXXXXX | 505082360 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 566324082 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.10

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.10**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GCAT 2025-NQM4** |
| **Start - End Dates:** | **1/3/2025 - 1/28/2025** |
| **Deal Loan Count:** | **30** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *30* |

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| **Loan Number** | **Marketing ID** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| XXXXXX | 533777502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1482.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.5518 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 505324542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2470.48 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.8500 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 549941569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1088.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1420.00 | No | (No Data) | 1.3040 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 515728028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1527.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.3750 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 561851687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3707.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3500.00 | 1.1534 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 578421127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.6552 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7727.38 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0697 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 581508794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2192.05 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1405 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 530261887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3475.2 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.0935 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 530600402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1678.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0721 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 571274905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6367 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1087.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1745.00 | No | (No Data) | 1.6045 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 543323308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1158.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.1221 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 513699982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1714.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.2542 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 579891392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2537.57 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3049.00 | No | (No Data) | 1.2015 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 563488273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7257.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1250.00 | No | (No Data) | 1.3989 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 569651251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1844.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2050.00 | No | (No Data) | 1.1113 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 569187368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9724.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0036 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 526013480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6552 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8122.23 | No | (No Data) | No | (No Data) | No | No | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 9000.00 | 1.1081 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; | DSCR - w/lease agreement - 0 months; |
| XXXXXX | 570928200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3193.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.0961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 524820625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1883.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0352 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 598768694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2566.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2795.00 | 1.1040 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 555582140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3899.99 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.0244 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 562867862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1743.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2616 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 546068880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 1% of amt prepd in 12 mos if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1266.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1775.00 | No | (No Data) | 1.4010 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 553730059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3154.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2400.00 | 1.0451 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| XXXXXX | 586641765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2095.48 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2580.00 | No | (No Data) | 1.2461 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 588471237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7034 | Yes | Yes | 2.67 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.3 | 41.3 | 41.3 | 41.3 | 41.3 | 41.3 | No | No | (No Data) | 7053.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 27 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 503765353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Rebuttable Presumption (APOR) | XXXXXX | (No Data) | Second Home | 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 | 8.1585 | Yes | Yes | 2.257 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.25 | 10.25 | 10.25 | 10.25 | 10.25 | 10.25 | No | No | (No Data) | 136308.4 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 22 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 22 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 505082360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2333.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0396 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | 566324082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2601.59 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 548681835 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2355.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0187 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.11

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.11**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GCAT 2025-NQM4** |
| **Start - End Dates:** | **1/3/2025 - 1/28/2025** |
| **Deal Loan Count:** | **30** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *30* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Marketing ID** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| XXXXXX | 533777502 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 505324542 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 549941569 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 515728028 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 561851687 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 578421127 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6552 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 581508794 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 530261887 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 530600402 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 571274905 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6367 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 543323308 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 513699982 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 579891392 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 563488273 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 569651251 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 569187368 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 526013480 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6552 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 570928200 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 524820625 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 598768694 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 555582140 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 562867862 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 546068880 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 553730059 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 586641765 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 588471237 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9854 | XXXXXX | 7.7034 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| XXXXXX | 503765353 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 23370 | XXXXXX | 8.1585 | Employed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | No | 0 |
| XXXXXX | 505082360 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 566324082 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 548681835 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.12

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.12**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | GCAT 2025-NQM4 |
| **Start - End Dates:** | 1/3/2025 - 1/28/2025 |
| **Deal Loan Count:** | 30 |
| **Valuations Summary** |  |
| *Loans in Report:* | *30* |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Marketing ID** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| XXXXXX | 533777502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 505324542 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 549941569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| XXXXXX | 515728028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 561851687 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 578421127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| XXXXXX | 581508794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 530261887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 530600402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 571274905 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| XXXXXX | 543323308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| XXXXXX | 513699982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| XXXXXX | 579891392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 563488273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| XXXXXX | 569651251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 569187368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| XXXXXX | 526013480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 570928200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| XXXXXX | 524820625 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| XXXXXX | 598768694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 555582140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 562867862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| XXXXXX | 546068880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| XXXXXX | 553730059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| XXXXXX | 586641765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 588471237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| XXXXXX | 503765353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 505082360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| XXXXXX | 566324082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| XXXXXX | 548681835 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |

---

## Exhibit 99.13

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.13**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | |  |  |
| **Client Project Name:** | **GCAT 2025-NQM4** | **GCAT 2025-NQM4** |  |  |
| **Start - End Dates:** | **1/3/2025 - 1/28/2025** | **1/3/2025 - 1/28/2025** |  |  |
| **Deal Loan Count:** | **30** | **30** |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| **Total** |  |  |  | **1** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.14

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.14**

![](ex9914001.jpg)

**EXECUTIVE SUMMARY**

**GCAT 2025-NQM4**

**By Clarifii LLC on July 16, 2025**

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 1

![](ex9914001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 35 loans (the "Loans") and these loans were subsequently acquired by Blue River Mortgage V LLC (the "Client") for the GCAT 2025-NQM4 transaction. The loans referenced in this narrative report were reviewed between 11/2024 to 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;$736000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;$630000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;33 | &nbsp;&nbsp;94.29% | &nbsp;&nbsp;$11384015.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12750015.00** |

---

The Review consisted of a population of 35 Loans, with an aggregate principal balance of $12,750,015.00.

**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.

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 2

![](ex9914001.jpg)

---

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

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the 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;Application Date |
| &nbsp;&nbsp;Assumable Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Origination Equifax |
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Origination Equifax |
| &nbsp;&nbsp;Borrower 2 Origination Experian |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |

---

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 3

![](ex9914001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;CU Score |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Mortgage Insurance Flag |
| &nbsp;&nbsp;Mortgage Origination Channel |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination BK Flag |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;REO Mortgage Times 30 |
| &nbsp;&nbsp;Sales Price |

---

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 4

![](ex9914001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Underwriting Guideline Version Date |
| &nbsp;&nbsp;Verified Doc Type |

---

**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:

● **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 5

![](ex9914001.jpg)

- 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

● **Employment and Income** 

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

● **Fraud Review** 

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 6

![](ex9914001.jpg)

● **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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 7

![](ex9914001.jpg)

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

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![](ex9914001.jpg)

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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![](ex9914001.jpg)

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.

● **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.

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 10

![](ex9914001.jpg)

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).

- 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.

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![](ex9914001.jpg)

- 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.

● **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

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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.

**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.

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● **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.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

**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:**

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

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

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

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

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

**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 – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

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---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &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;33 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.86% |
| &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;**35** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.86% |
| &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;**35** | &nbsp;&nbsp;**100.00%** |

---

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**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;2.86% | &nbsp;&nbsp;$630000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.14% | &nbsp;&nbsp;$12120015.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12750015.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.71% | &nbsp;&nbsp;$2196000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;33 | &nbsp;&nbsp;94.29% | &nbsp;&nbsp;$10554015.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12750015.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;9 | &nbsp;&nbsp;25.71% | &nbsp;&nbsp;$4807500.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;26 | &nbsp;&nbsp;74.29% | &nbsp;&nbsp;$7942515.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12750015.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12750015.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12750015.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12750015.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**35** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12750015.00** |

---

**DATA COMPARE RESULTS**

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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.

---

| | | | |
|:---|:---|:---|:---|
| &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;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Assumable Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &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 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;96.55% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;CU Score | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Mortgage Insurance Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;34 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;30 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;REO Mortgage Times 30 | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 20

![](ex9914001.jpg)

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

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

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

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

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

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

**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.*© 2025 Clarifii LLC. All rights reserved.

GCAT 2025-NQM4 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.15

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 524544997 | 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 | 15995 | 7.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23516.45 | Yes | Employed |  | No |  | No |  |
| XXXX | 596267542 | 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 | 511593565 | 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 | 596496209 | 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 | 557314654 | 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 | 529077988 | 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 | 511064318 | 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 | 506514291 | 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 | 521423403 | 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 | 584013632 | 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 | 596951007 | 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 | 580799166 | 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 | 520230362 | 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 | 580538167 | 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 | 592682802 | 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 | 510814595 | 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 | 585389645 | 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 | 586487208 | 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 | 566668690 | 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 | 524760279 | 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 | 580469539 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | 545463048 | 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 | 542999838 | 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 | 590368191 | 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 | No | Yes | Present |
| XXXX | 542796765 | 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 | 530622120 | 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 | 589130440 | 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 |  | N/A | Not Employed |  | No |  | Yes | Present |
| XXXX | 550186543 | 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 | 510896067 | 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 | 13175 | 7.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9245.23 | N/A | Employed |  | No |  | No |  |
| XXXX | 558606720 | 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 | 506002291 | 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 | Yes | 161014.8 | N/A | Employed |  | No |  | Yes | N/A |
| XXXX | 535932291 | 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 | Yes | 161014.8 | Yes | Employed |  | No |  | Yes | N/A |
| XXXX | 580106486 | 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 | Yes | 160794.38 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 535969471 | 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 | 62683.27 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 576032569 | 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 |

---

## Exhibit 99.16

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.16**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 524544997 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 524544997 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 524544997 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.72 | 39.35 | Audit DTI is higher due to higher "Other REO" and higher liabilities |
| XXXX | 557314654 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.071 | 1.0781 | Lender used lower HOA fee for subject property. |
| XXXX | 511064318 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal property Type |
| XXXX | 506514291 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal PUD Attached |
| XXXX | 520230362 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Title and Appraisal |
| XXXX | 566668690 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | 580469539 | XXXX | XXXX | MIN No | deedOfTrustPage | XXXX | XXXX | Per DOT. |
| XXXX | 530622120 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal /Legal |
| XXXX | 589130440 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per title |
| XXXX | 510896067 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | 510896067 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.64 | 45.63 | Audited expenses and rent match the 1003, but the final net rental loss does not. Unable to determine how the lender arrived at their final net rental loss figure. |
| XXXX | 506002291 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | DETACHED | Per appraisal |
| XXXX | 535932291 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | DETACHED | Per appraisal |
| XXXX | 580106486 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | DETACHED | Per title |
| XXXX | 576032569 | XXXX | XXXX | Borrower 1 Middle Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 576032569 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal. |

---

## Exhibit 99.17

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 524544997 | XXXX C B A | Closed | FCRE8611 | 2024-11-22 09:16 | 2025-07-10 11:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Business phone number verified. <br> - Due Diligence Vendor-11/27/2024 <br> Ready for Review-Document Uploaded. XXXX Search - Seller-11/27/2024 <br> Open- - Due Diligence Vendor-11/22/2024 | Ready for Review-Document Uploaded. XXXX Search - Seller-11/27/2024 | Resolved-Business phone number verified. <br> - Due Diligence Vendor-11/27/2024<br>| Qualifying DTI below maximum allowed - DTI <45% lower than program maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 739 is greater than 660 program minimum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 2864634 |
| XXXX | 524544997 | XXXX C B A | Closed | FCOM5135 | 2024-11-21 09:06 | 2024-11-21 09:06 | 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. - Due Diligence Vendor-11/21/2024 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/21/2024<br>| Qualifying DTI below maximum allowed - DTI <45% lower than program maximum 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 739 is greater than 660 program minimum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 2855595 |
| XXXX | 596267542 | XXXX C A | Closed | FCRE1440 | 2025-01-17 07:37 | 2025-01-29 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Nov Payment. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need verification primary housing payment was made for XXXX. Transaction history shows last payment made XXXX. Guidelines require current 12 month history. - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-Received Nov Payment. - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 732; minimum score 620.<br>Long term residence - Long term residence- Borrower has been currently in primary residence 8 years.<br>LTV is less than guideline maximum - LTV 60% Max permitted 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3228172 |
| XXXX | 596267542 | XXXX C A | Closed | FCRE4963 | 2025-01-17 10:58 | 2025-01-27 15:17 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Document Uploaded. Received payoff statement - Due Diligence Vendor-01/27/2025 <br>Open-Title report shows lien on subject property. Subject loan being paid off is part of a cross collateralized loan. Missing payoff from lender to confirm payoff for subject property, late fees, deferred balance, or delinquent interest are subject to housing history and/or credit event criteria. Additional conditions may apply. - Due Diligence Vendor-01/17/2025 |  | Resolved-Document Uploaded. Received payoff statement - Due Diligence Vendor-01/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 732; minimum score 620.<br>Long term residence - Long term residence- Borrower has been currently in primary residence 8 years.<br>LTV is less than guideline maximum - LTV 60% Max permitted 75%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3230055 |
| XXXX | 511593565 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 596496209 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 557314654 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 529077988 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 511064318 | XXXX C A | Closed | FCRE1440 | 2025-01-17 17:01 | 2025-02-12 09:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Guides indicate this requirement does not apply to borrowers that currently own a home. - Due Diligence Vendor-02/12/2025 <br> Counter-Mortgage Statement provide on page 55 reflects XXXX with no transaction history. Need a full 12 months history with zero late payments. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-XXXX - Please see mortgage statement on page 55-57 of loan package - Seller-02/05/2025 <br> Counter-Guidelines state - Mortgage Lates – 1x30 within 12 months . This applies to any mortgage reported on the credit report, the borrower's primary residence and the subject property if it is a refinance transaction. For any non-subject property, non-primary mortgages not reporting to the credit bureau, additional housing history is not required. <br>Please provide the payment history for the Primary residence. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. XXXX - Please see rebuttal uploaded. - Seller-01/29/2025 <br> Counter-Client comment - Per guidelines, this is not required as it is a purchase of investment property. - AUDIT RESPONSE- Guidelines state the borrower's primary and the subject property. Please provide the payment history for the Primary. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded rebuttal - Seller-01/27/2025 <br> Counter-1 month Mortgage Statement provided. Please provide a full 12 month payment history,. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded mortgage history for XXXX - Seller-01/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide the Primary mortgage payment history since not reporting on the credit report. Mtg. statement provided, but no history to support. - Due Diligence Vendor-01/17/2025 | Ready for Review-02/05 - Please see mortgage statement on page 55-57 of loan package - Seller-02/05/2025 <br> Ready for Review-Document Uploaded. XXXX - Please see rebuttal uploaded. - Seller-01/29/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded rebuttal - Seller-01/27/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded mortgage history for XXXX - Seller-01/22/2025 | Resolved-Guides indicate this requirement does not apply to borrowers that currently own a home. - Due Diligence Vendor-02/12/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 <br>Months Reserves exceed minimum required - 4.56 months reserves exceed required 3 by 1.56 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3234803 |
| XXXX | 506514291 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 521423403 | XXXX D A | Closed | FCRE5116 | 2025-01-17 12:26 | 2025-02-06 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received corrected 1003 - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Counter-Please provide a 1003 stating the borrower has owned in the last three years. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Do we still need a corrected 1003? This properties has been owned and sold for more than 7 years. - Seller-01/31/2025 <br> Counter-Received credit report address history from borrower that has owned and sold properties . 1003 provided still reflects (No) that the borrower has not had ownership in another property. Provide corrected 1003. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Counter-Final 1003 section 5a reflects borrower is a FTHB. Provide a revised 1003 refencing borrower has owned property in the past 3 years and a property report supporting this. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. Please note per guideline VOR is only required if borrower is a first time homebuyer, see attached. - Seller-01/24/2025 <br> Counter-VOR is required when the borrower is renting an purchasing an investment property. Not required when purchasing a Primary or Secondary residence. Finding remains. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Kindly waive. Please note that borrower is not a FTHB. see: XXXX Judgment came from charge off account reported on CR. XXXX. Release doc of both on file, with breakdown also in file. - Seller-01/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Housing history must be evidenced by twelve (12) months proof of payment via institutional VOR. Private party <br> VOR must be provided with 12 months proof of payment. - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Ready for Review-Do we still need a corrected 1003? This properties has been owned and sold for more than 7 years. - Seller-01/31/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Ready for Review-Document Uploaded. Please note per guideline VOR is only required if borrower is a first time homebuyer, see attached. - Seller-01/24/2025 <br> Ready for Review-Kindly waive. Please note that borrower is not a FTHB. see: XXXX Judgment came from charge off account reported on CR. XXXX. Release doc of both on file, with breakdown also in file. - Seller-01/23/2025 | Resolved-Received corrected 1003 - Due Diligence Vendor-02/06/2025<br>| DSCR % greater than 1.20 - Calculated DSCR of 1.287<br>Months Reserves exceed minimum required - Verified assets of 37.16 months reserves exceed the minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3231515 |
| XXXX | 584013632 | XXXX C A | Closed | FCRE1198 | 2025-01-20 07:08 | 2025-01-31 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated balances. Used balance as of the Note date. Audited Reserves of 3.15 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Ready for Review-Document Uploaded. XXXX - Please see rebuttal uploaded. - Seller-01/29/2025 <br> Counter-Reserves are short i the amount of XXXX - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. XXXX - Please see rebuttal uploaded. - Seller-01/25/2025 <br> Counter-Available Assets are XXXX and Funds to Close are XXXX leaves XXXX for reserves and XXXX are required. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. 01/22 - Uploaded rebuttal - Seller-01/22/2025 <br> Open-Audited Reserves of 1.85 month(s) are less than Guideline Required Reserves of 3 month(s) Provide extra funds to cover the 3 months reserves required and with current statment short reserves. - Due Diligence Vendor-01/20/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025 <br>Ready for Review-Document Uploaded. 01/29 - Please see rebuttal uploaded. - Seller-01/29/2025 <br>Ready for Review-Document Uploaded. 01/24 - Please see rebuttal uploaded. - Seller-01/25/2025 <br>Ready for Review-Document Uploaded. 01/22 - Uploaded rebuttal - Seller-01/22/2025<br>| Resolved-Received updated balances. Used balance as of the Note date. Audited Reserves of 3.15 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/31/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3236868 |
| XXXX | 596951007 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 580799166 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 520230362 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 580538167 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 592682802 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 510814595 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 585389645 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 586487208 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 566668690 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 524760279 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 580469539 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 545463048 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 542999838 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 590368191 | XXXX C A | Closed | FCRE1118 | 2025-01-24 10:33 | 2025-01-31 17:08 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-01/31/2025 <br> Ready for Review XXXX - XXXX only lends to borrowers but allows borrowers to vest in an LLC. <br> Note and riders to the note will be under the borrower's name. <br> Deed and riders to the Deed, Borrower name, with the LLC name. <br> Therefore, Note will not include LLC only the authorized signature. - Seller-01/29/2025 <br> Open-Borrower 1 Signature does not match Note -----Borrower signed as business on DOT, but as an individual on Note. - Due Diligence Vendor-01/24/2025 | Ready for Review-01/29 - XXXX only lends to borrowers but allows borrowers to vest in an LLC. <br> Note and riders to the note will be under the borrower's name. <br> Deed and riders to the Deed, Borrower name, with the LLC name. <br> Therefore, Note will not include LLC only the authorized signature. - Seller-01/29/2025 | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-01/31/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.18<br>Months Reserves exceed minimum required - Verified assets of 36.72 months reserves exceed the minimum required of 3 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3275794 |
| XXXX | 542796765 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 530622120 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 589130440 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 550186543 | XXXX D A | Closed | FCRE1345 | 2025-02-25 14:25 | 2025-03-05 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Lease agreement not required. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-Lease agreement for subject missing. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Lease agreement not required. - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - LTV 59.25% ; max permitted 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; Minimum score 620. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3479197 |
| XXXX | 550186543 | XXXX D A | Closed | FCRE8701 | 2025-02-24 08:16 | 2025-03-05 10:42 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Documents provided. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-The Business Entity Formation Document is Missing No LLC docs provided - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-The Business Entity Formation Documents provided. - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - LTV 59.25% ; max permitted 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; Minimum score 620. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3467715 |
| XXXX | 550186543 | XXXX D A | Closed | FCRE8700 | 2025-02-24 10:58 | 2025-03-05 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Business Entity EIN value is acceptable. - Due Diligence Vendor-02/25/2025 <br>Open-No EIN # provided for LLC - Due Diligence Vendor-02/24/2025 |  | Resolved-Business Entity EIN value is acceptable. - Due Diligence Vendor-02/25/2025<br>| LTV is less than guideline maximum - LTV 59.25% ; max permitted 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; Minimum score 620. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3469106 |
| XXXX | 550186543 | XXXX D A | Closed | FCRE1440 | 2025-02-24 08:35 | 2025-03-05 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History provided for the subject (cross collateral) and for the borrower's primary. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. please note , the payment history is already in the file - the mortgage is cross collateral - Seller-03/04/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- a 12-month mortgage history is required for the borrower/guarantor's primary residence and subject property. For the Subject we need a copy of the Note as well as 12 months housing history. housing history provided - payments are not allocated to subject property. we need break down of subject mortgage payments; what was provided does not suffice. We also need most recent 12 months payment history for primary residence. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. please note , the payment history is already in the file - the mortgage is cross collateral - Seller-03/04/2025<br>| Resolved-Housing History provided for the subject (cross collateral) and for the borrower's primary. - Due Diligence Vendor-03/05/2025<br>| LTV is less than guideline maximum - LTV 59.25% ; max permitted 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; Minimum score 620. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3467829 |
| XXXX | 550186543 | XXXX D A | Closed | FCRE4963 | 2025-02-24 08:35 | 2025-03-04 17:54 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Payoff provided. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-Subject loan being paid off is part of a cross collateralized loan. Missing payoff from lender to confirm payoff for subject property, late fees, deferred balance, or delinquent interest are subject to housing history and/or credit event criteria. Additional conditions may apply. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Payoff provided. - Due Diligence Vendor-03/04/2025<br>| LTV is less than guideline maximum - LTV 59.25% ; max permitted 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 736; Minimum score 620. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3467835 |
| XXXX | 510896067 | XXXX D A | Closed | FCRE7497 | 2025-03-14 15:53 | 2025-03-18 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. XXXX is SFR and XXXX is duplex; therefore, both properties have no HOA - Seller-03/17/2025 <br> Open-No documentation or statement provided to address any possible HOA dues for properties XXXX and XXXX. Expenses for property 3a on final 1003 are not supported by documentation in file. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. XXXX is SFR and XXXX is duplex; therefore, both properties have no HOA - Seller-03/17/2025 | Resolved-Received HOA verification. - Due Diligence Vendor-03/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 695 is more than 20 points higher than the guideline min of 660.<br>Months Reserves exceed minimum required - Guides require 4 months reserves and the borrower has 15 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3617654 |
| XXXX | 558606720 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 506002291 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 535932291 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 580106486 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 535969471 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 576032569 | XXXX D B A | Closed | FCRE1232 | 2025-06-06 07:26 | 2025-06-13 12:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Document Uploaded. - Due Diligence Vendor-06/13/2025 <br> Waived-Originator waiver has been provided which allows the use of the IO to be used as qualifying payment method which results in a DSCR of 1.00% . - Due Diligence Vendor-06/13/2025 <br> Counter-For DSCR loan, the qualifying ratio may utilize the IO payment however, per guidelines, as this is an ARM IO the IO payment is calculated with a qualifying rate of the greater of the fully-indexed rate or Note rate. In this case the payment used is XXXX not the initial IO payment of XXXX. Finding remains - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Unclear how DSCR is 81. Based on our calculation is 998. P & I XXXX, Insurance XXXX FP XXXX, Supplemental XXXX, taxes XXXX= XXXX. Market Rental is XXXX. Waiver uploaded for XXXX DSCR - Seller-06/06/2025 <br> Open-The Calculated DSCR of '0.821' is less than the minimum DSCR per lender guidelines of '1'. Cash out refinance requires DSCR >= 1.00 - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Unclear how DSCR is 81. Based on our calculation is XXXX, Insurance CA FP XXXX, Supplemental XXXX, taxes XXXX = XXXX. Market Rental is XXXX. Waiver uploaded for XXXX - Seller-06/06/2025 | Waived-Document Uploaded. - Due Diligence Vendor-06/13/2025 <br>Waived-Originator waiver has been provided which allows the use of the IO to be used as qualifying payment method which results in a DSCR of 1.00% . - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 720.<br>Long term residence - 20 Years. | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4357945 |
| XXXX | 576032569 | XXXX D B A | Closed | FCRE7009 | 2025-05-19 11:55 | 2025-06-05 08:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received corresponding FAIR Plan policy. - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Missing Primary Proof of Hazard Insurance. Only Supplemental Property Insurance Policy has been provided. Additionally, findings may apply upon receipt. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Received corresponding FAIR Plan policy. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 720.<br>Long term residence - 20 Years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4179142 |
| XXXX | 576032569 | XXXX D B A | Closed | FCRE7011 | 2025-05-19 11:55 | 2025-06-05 08:58 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. Loss of Use is Rent Loss - Seller-05/29/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. Missing Proof of Rent Loss Coverage. Additionally, findings may apply upon receipt. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Loss of Use is Rent Loss - Seller-05/29/2025<br>| Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 720.<br>Long term residence - 20 Years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4179143 |
| XXXX | 576032569 | XXXX D B A | Closed | FCRE1158 | 2025-05-19 11:55 | 2025-06-05 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Uploaded - Seller-05/29/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing Primary Proof of Hazard Insurance. Only Supplemental Property Insurance Policy has been provided. Additionally, findings may apply upon receipt. - Due Diligence Vendor-05/19/2025 | Ready for Review-Uploaded - Seller-05/29/2025<br>| Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-06/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 720.<br>Long term residence - 20 Years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4179144 |
| XXXX | 576032569 | XXXX D B A | Closed | FCRE5774 | 2025-05-20 09:36 | 2025-06-03 16:23 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received Credit report for the Borrower only - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Borrower 1 Credit Report is Partially Present. Additional person on credit not on the loan. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Received Credit report for the Borrower only - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 720.<br>Long term residence - 20 Years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4190089 |
| XXXX | 576032569 | XXXX D B A | Closed | FCRE1510 | 2025-05-16 10:49 | 2025-05-21 16:16 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal Description. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Received DOT w/Legal Description. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 720.<br>Long term residence - 20 Years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4163396 |

---

## Exhibit 99.18

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.18**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 524544997 | XXXX | XXXX C B A |
| XXXX | 596267542 | XXXX | XXXX C A |
| XXXX | 511593565 | XXXX | XXXX A |
| XXXX | 596496209 | XXXX | XXXX A |
| XXXX | 557314654 | XXXX | XXXX A |
| XXXX | 529077988 | XXXX | XXXX A |
| XXXX | 511064318 | XXXX | XXXX C A |
| XXXX | 506514291 | XXXX | XXXX A |
| XXXX | 521423403 | XXXX | XXXX D A |
| XXXX | 584013632 | XXXX | XXXX C A |
| XXXX | 596951007 | XXXX | XXXX A |
| XXXX | 580799166 | XXXX | XXXX A |
| XXXX | 520230362 | XXXX | XXXX A |
| XXXX | 580538167 | XXXX | XXXX A |
| XXXX | 592682802 | XXXX | XXXX A |
| XXXX | 510814595 | XXXX | XXXX A |
| XXXX | 585389645 | XXXX | XXXX A |
| XXXX | 586487208 | XXXX | XXXX A |
| XXXX | 566668690 | XXXX | XXXX A |
| XXXX | 524760279 | XXXX | XXXX A |
| XXXX | 580469539 | XXXX | XXXX A |
| XXXX | 545463048 | XXXX | XXXX A |
| XXXX | 542999838 | XXXX | XXXX A |
| XXXX | 590368191 | XXXX | XXXX C A |
| XXXX | 542796765 | XXXX | XXXX A |
| XXXX | 530622120 | XXXX | XXXX A |
| XXXX | 589130440 | XXXX | XXXX A |
| XXXX | 550186543 | XXXX | XXXX D A |
| XXXX | 510896067 | XXXX | XXXX D A |
| XXXX | 558606720 | XXXX | XXXX A |
| XXXX | 506002291 | XXXX | XXXX A |
| XXXX | 535932291 | XXXX | XXXX A |
| XXXX | 580106486 | XXXX | XXXX A |
| XXXX | 535969471 | XXXX | XXXX A |
| XXXX | 576032569 | XXXX | XXXX D A B |

---

## Exhibit 99.19

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 524544997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 596267542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 511593565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 596496209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 557314654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 529077988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 511064318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 506514291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | 521423403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 584013632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 596951007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 580799166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0833 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | 520230362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 580538167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 55.91 | 55.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 592682802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 510814595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 585389645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.24 | 46.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 586487208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 566668690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.0 | 52.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 3.7 | XXXX |
| XXXX | 524760279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 580469539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 545463048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 542999838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 590368191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 542796765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 530622120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 589130440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 550186543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.25 | 59.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 510896067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 558606720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 506002291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 73.13 | 73.13 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 535932291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 580106486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 71.62 | 71.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 535969471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 576032569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.20

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 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 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **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 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 # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 524544997 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 08/29/2024 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15995 | 11/04/2024 | 6.730% |  |  | No | 7.654% |  | 7.625% |  | $10333.79 | No |  | $22812.48 | $1901.04 | $2123.04 | $176.92 | $0.00 | $0.00 | $0.00 | $12411.75 | $23516.45 | N/A |  |  | $0.00 |  |  | 0.00% | 41.72% | 41.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 50083.36 | 4.9 | 50083.36 | 4.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 596267542 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/05/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1862.34 | Yes | 18.000% | $6447.36 | $537.28 | $3620.52 | $301.71 | $0.00 | $0.00 | $0.00 | $2701.33 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.074 | 1.074 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/04/2024 | 10/04/2024 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 259923.37 | 96.2 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 511593565 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $1005.10 | No |  | $2086.56 | $173.88 | $324.00 | $27.00 | $4416.00 | $368.00 | $0.00 | $1573.98 |  | Yes | XXXX | XX | $368.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.08 | 1.08 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13110.90 | 8.4 | 13110.90 | 8.4 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 596496209 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1254.10 | No |  | $7084.32 | $590.36 | $2338.56 | $194.88 | $0.00 | $0.00 | $0.00 | $2039.34 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.005 | 1.005 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/19/2024 | 12/19/2024 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16291.71 | 8 | 16291.71 | 8 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 557314654 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $985.51 | No |  | $3729.96 | $310.83 | $1169.52 | $97.46 | $480.00 | $40.00 | $0.00 | $1433.80 |  | N/A | XXXX | XX | $40.00 | 03/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.071 | 1.078 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8251.66 | 5.8 | 8251.66 | 5.8 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 529077988 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $997.59 | No |  | $2780.04 | $231.67 | $1656.00 | $138.00 | $0.00 | $0.00 | $0.00 | $1367.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.207 | 1.207 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2024 | 09/24/2024 |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36952.07 | 27 | 36952.07 | 27 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 511064318 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | $963.07 | No |  | $3652.08 | $304.34 | $1686.72 | $140.56 | $300.00 | $25.00 | $0.00 | $1432.97 |  | N/A | XXXX | XX | $25.00 | 02/14/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.117 | 1.117 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/20/2024 | 12/20/2024 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6528.81 | 4.6 | 6528.81 | 4.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 506514291 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1048.85 | No |  | $2832.00 | $236.00 | $1169.04 | $97.42 | $0.00 | $0.00 | $0.00 | $1382.27 |  | N/A | XXXX | XX | $0.00 | 02/14/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.338 | 1.338 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/30/2024 | 10/30/2024 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 239931.68 | 173.6 | 239931.68 | 173.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 521423403 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1398.43 | No |  | $1010.88 | $84.24 | $1785.24 | $148.77 | $0.00 | $0.00 | $0.00 | $1631.44 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.287 | 1.287 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/26/2024 | 09/26/2024 |  |  |  | 650 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 60630.17 | 37.2 | 60630.17 | 37.2 | No | 58.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 584013632 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | $1469.24 | No |  | $8596.08 | $716.34 | $1365.96 | $113.83 | $0.00 | $0.00 | $0.00 | $2299.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.109 | 1.109 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 |  |  |  | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  | Employment Authorization Card |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7240.44 | 3.2 | 7240.44 | 3.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 596951007 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1650.61 | No |  | $4837.32 | $403.11 | $1044.48 | $87.04 | $992.04 | $82.67 | $0.00 | $2223.43 |  | N/A | XXXX | XX | $82.67 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.012 | 1.012 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26306.16 | 11.8 | 26306.16 | 11.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 580799166 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $3775.76 | No |  | $4058.76 | $338.23 | $6279.84 | $523.32 | $0.00 | $0.00 | $0.00 | $4637.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.046 | 1.046 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18532.28 | 4 | 349324.15 | 75.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 520230362 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1256.82 | No |  | $5613.36 | $467.78 | $2296.08 | $191.34 | $2100.00 | $175.00 | $0.00 | $2090.94 |  | N/A | XXXX | XX | $175.00 | 02/17/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.909 | 0.909 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28765.49 | 13.8 | 28765.49 | 13.8 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 580538167 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $3459.57 | No |  | $4059.60 | $338.30 | $1522.92 | $126.91 | $0.00 | $0.00 | $0.00 | $3924.78 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.001 | 1.003 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 506675.94 | 129.1 | No | 55.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 592682802 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1220.16 | No |  | $4029.36 | $335.78 | $849.96 | $70.83 | $4941.24 | $411.77 | $0.00 | $2038.54 |  | N/A | XXXX | XX | $411.77 | 02/17/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.177 | 1.177 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 187123.52 | 91.8 | 187123.52 | 91.8 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 510814595 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1199.15 | No |  | $2163.48 | $180.29 | $1265.04 | $105.42 | $0.00 | $0.00 | $0.00 | $1484.86 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.482 | 1.482 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/30/2024 | 12/30/2024 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23489.34 | 15.8 | 23489.34 | 15.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 585389645 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $1521.76 | No |  | $3010.56 | $250.88 | $763.44 | $63.62 | $0.00 | $0.00 | $0.00 | $1836.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.253 | 1.252 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 153677.47 | 83.7 | 153677.47 | 83.7 | No | 46.24 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 586487208 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1414.81 | No |  | $1423.20 | $118.60 | $1502.04 | $125.17 | $0.00 | $0.00 | $0.00 | $1658.58 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.266 | 1.266 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/12/2024 | 12/12/2024 |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27684.72 | 16.7 | 27684.72 | 16.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 566668690 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $2162.23 | No |  | $7252.08 | $604.34 | $1190.04 | $99.17 | $420.00 | $35.00 | $0.00 | $2900.74 |  | N/A | XXXX | XX | $35.00 | 02/10/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.241 | 1.241 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32319.76 | 11.1 | 32319.76 | 11.1 | No | 52 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524760279 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | $2311.28 | No |  | $2891.76 | $240.98 | $1377.36 | $114.78 | $0.00 | $0.00 | $0.00 | $2667.04 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.862 | 0.862 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/27/2024 | 12/27/2024 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49203.44 | 18.5 | 49203.44 | 18.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 580469539 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1254.46 | No |  | $6314.04 | $526.17 | $2175.12 | $181.26 | $324.96 | $27.08 | $0.00 | $1988.97 |  | N/A | XXXX | XX | $27.08 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.056 | 1.056 |  | Borrower | Borrower | 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 | No | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Entry Stamp |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20572.95 | 10.3 | 20572.95 | 10.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 545463048 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1118.77 | No |  | $1238.76 | $103.23 | $1281.24 | $106.77 | $0.00 | $0.00 | $0.00 | $1328.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.204 | 1.204 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/25/2024 | 11/25/2024 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18353.62 | 13.8 | 18353.62 | 13.8 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 542999838 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | $1572.40 | No |  | $5768.64 | $480.72 | $2223.96 | $185.33 | $0.00 | $0.00 | $0.00 | $2238.45 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.519 | 1.519 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2024 | 10/06/2024 |  |  |  | 647 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39440.99 | 17.6 | 39440.99 | 17.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 590368191 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1456.45 | No |  | $6771.24 | $564.27 | $3708.72 | $309.06 | $0.00 | $0.00 | $0.00 | $2329.78 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.18 | 1.18 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 | 12/18/2024 |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 85537.82 | 36.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 542796765 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1637.22 | No |  | $9835.68 | $819.64 | $1522.44 | $126.87 | $450.00 | $37.50 | $0.00 | $2621.23 |  | N/A | XXXX | XX | $37.50 | 03/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.145 | 1.145 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/30/2024 | 12/30/2024 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A |  |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 92264.13 | 35.2 | 92264.13 | 35.2 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 530622120 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $2887.41 | No |  | $1157.52 | $96.46 | $705.96 | $58.83 | $0.00 | $0.00 | $0.00 | $3042.70 |  | N/A | XXXX | XX | $0.00 | 01/22/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.085 | 1.085 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40540.44 | 13.3 | 40540.44 | 13.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 589130440 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 28 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | $2422.08 | No |  | $9005.16 | $750.43 | $1420.08 | $118.34 | $5400.00 | $450.00 | $0.00 | $3740.85 |  | N/A | XXXX | XX | $450.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Not Stated Not Verified | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 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 - N/A | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/09/2025 | 01/09/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  | N/A |  | XXXX | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17008.83 | 4.6 | 17008.83 | 4.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 550186543 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/05/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1616.76 | Yes | 18.000% | $5237.88 | $436.49 | $3620.52 | $301.71 | $0.00 | $0.00 | $0.00 | $2354.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.147 | 1.035 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/08/2024 | 10/08/2024 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 93291.42 | 39.6 | No | 59.25 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 510896067 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/23/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13175 | 02/24/2025 | 6.850% |  |  | No | 7.868% |  | 7.625% |  | $5209.36 | No |  | $11499.96 | $958.33 | $1892.04 | $157.67 | $0.00 | $0.00 | $0.00 | $6325.36 | $9245.23 | N/A |  |  | $0.00 |  |  | 0.00% | 48.64% | 48.64% | 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 |  |  |  | Yes | 6 | No |  | Yes | 26 | 25 | FNMA 1005 |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Written VOE Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/11/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien |  |  |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 80309.14 | 15.4 | 80309.14 | 15.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 558606720 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1450.14 | No |  | $1768.56 | $147.38 | $4903.68 | $408.64 | $0.00 | $0.00 | $0.00 | $2006.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.146 | 1.147 |  | Borrower - null 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 | 02/07/2025 | 02/07/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5732.70 | 2.9 | 8147.41 | 4.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 506002291 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $6621.56 | No |  | $15293.04 | $1274.42 | $3992.64 | $332.72 | $0.00 | $0.00 | $0.00 | $8228.70 | $161014.80 | N/A |  |  | $0.00 |  |  | 0.00% | 33.04% | 33.04% | 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% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/21/2025 | 02/21/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1433537.41 | 174.2 | 1433537.41 | 174.2 | No | 73.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 535932291 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $6712.46 | No |  | $15512.04 | $1292.67 | $3887.04 | $323.92 | $0.00 | $0.00 | $0.00 | $8329.05 | $161014.80 | N/A |  |  | $0.00 |  |  | 0.00% | 33.04% | 33.04% | 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 |  |  |  | 0.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | 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), 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 | 02/21/2025 | 02/21/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 412221.08 | 49.5 | 412221.08 | 49.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 580106486 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $3405.17 | No |  | $6863.88 | $571.99 | $1683.12 | $140.26 | $5544.00 | $462.00 | $0.00 | $4579.42 | $160794.38 | Yes | XXXX | XX | $462.00 | 03/27/2026 | Monthly | 0.00% | 33.13% | 33.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | 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), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/21/2025 | 02/21/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 676309.38 | 147.7 | 676309.38 | 147.7 | No | 71.62 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 535969471 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $6243.70 | No |  | $8360.64 | $696.72 | $3951.84 | $329.32 | $0.00 | $0.00 | $0.00 | $7269.74 | $62683.27 | N/A |  |  | $0.00 |  |  | 0.00% | 11.52% | 11.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/28/2025 | 02/28/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 239127.28 | 32.9 | 239127.28 | 32.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 576032569 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/23/2025 | 2 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $3740.63 | No |  | $1757.28 | $146.44 | $4941.00 | $411.75 | $0.00 | $0.00 | $0.00 | $4298.82 |  | 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 | 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 | 03/28/2025 | 03/28/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXXX | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 222427.16 | 51.7 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.21

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.21**![](ex9921001.jpg)

**NARRATIVE**

**GCAT 2025-NQM4**

**By Canopy Financial Technology Partners LLC on July 16, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@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

![](ex9921001.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 Blue River Mortgage V LLC (the "Client") or its affiliated company. The Review was conducted from April 2022 to March 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of sixty-four (64) Loans with an aggregate principal balance of $36,787,602.

**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); S&P Global Ratings and Kroll.

**Data Integrity**

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

---

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

---

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

![](ex9921001.jpg)

---

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

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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

![](ex9921001.jpg)

● 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)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

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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:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ 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**

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**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

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consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

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

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:** 

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

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

<br> **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.

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

---

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

---

---

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

---

---

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

---

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

![](ex9921001.jpg)

---

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

---

**FINDINGS SUMMARY** 

**Summary Overview** 

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (64 loans) have an overall grade of "A" and 0.00% (0 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (64 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (64 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (64 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE** 

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

![](ex9921001.jpg)

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &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;**64** | &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;64 | &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;**64** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &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;**64** | &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;64 | &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;**64** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;60 | &nbsp;&nbsp;93.75% | &nbsp;&nbsp;$34187002.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$2600600.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**64** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36787602.00** |

---

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

![](ex9921001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;64 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$36787602.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**64** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36787602.00** |
| &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;2 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;$840000.00 |
| &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;13 | &nbsp;&nbsp;20.31% | &nbsp;&nbsp;$6068750.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$12105607.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;17 | &nbsp;&nbsp;26.56% | &nbsp;&nbsp;$11065745.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$6707500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**64** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36787602.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;64 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$36787602.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**64** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36787602.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;52 | &nbsp;&nbsp;81.25% | &nbsp;&nbsp;$28977347.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;$487805.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;10 | &nbsp;&nbsp;15.63% | &nbsp;&nbsp;$7322450.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**64** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36787602.00** |

---

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

![](ex9921001.jpg)

**DATA COMPARISON RESULTS** 

Of the sixty-four (64) mortgage Loan Files reviewed, five (5) unique loans (7.81% by number) had five (5) 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;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;64 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;64 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;64 | &nbsp;&nbsp;3.13% |
| &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;1 | &nbsp;&nbsp;64 | &nbsp;&nbsp;1.56% |

---

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

![](ex9921001.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 99.22

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.22**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 556677277 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 593843394 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 519989057 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 538118235 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 502286171 |  | xxx D A | Closed | FCRE8712 | 2025-01-16 12:33 | 2025-01-21 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-xxx Searches provided for xxx - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded xxx for: xxx & xxx - Seller-01/18/2025 <br> Open-. Per the lender's guidelines, all properties that the applicant owns must be listed on the Schedule of REO section of the 1003. Rental income should be verified from executed lease agreement(s) and internet searches (i.e. xxx, xxx, etc) and the lower rental income will be used for qualifying. However, the loan file contains the lease agreements, but is missing the internet searches in order to use the lower rental income for qualifying for xxx. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. xxx - Uploaded xxx for: xxx - Seller-01/18/2025 | Resolved-xxx Searches provided for xxx - Due Diligence Vendor-01/21/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 73.75 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 - Validated Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 569955521 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 555586033 |  | xxx C A | Closed | FPRO1136 | 2025-01-16 09:40 | 2025-02-10 11:56 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded revised appraisal & 1004D - Seller-02/08/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Completion Report (1004D) missing. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. xxx - Uploaded revised appraisal & 1004D - Seller-02/08/2025 | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.75% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 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 - 20.00 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.43% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 555586033 |  | xxx C A | Closed | FCRE1253 | 2025-01-16 16:58 | 2025-01-22 08:46 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Subject property is located in xxx, Assessed Value was used to calculate monthly Property taxes. - Due Diligence Vendor-01/22/2025 <br> Resolved-Property Tax Cert Provided - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded Tax Cert - Seller-01/22/2025 <br> Open-Missing Property Tax Cert Tax information sheet indicates a different amount of Actual Taxes per year than used to qualify. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. xxx - Uploaded Tax Cert - Seller-01/22/2025 | Resolved-Subject property is located in xxx, Assessed Value was used to calculate monthly Property taxes. - Due Diligence Vendor-01/22/2025 <br> Resolved-Property Tax Cert Provided - Due Diligence Vendor-01/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.75% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.54 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 - 20.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.43% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 581565996 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 537802752 |  | xxx 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 - Debt Consolidation |  |  |  |
| 559741483 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 594112151 |  | xxx C A | Closed | FVAL3825 | 2025-01-16 08:30 | 2025-01-22 20:43 | Waived | 2 - Non-Material C A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/23/2025 <br> Open-Property located in xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-01/16/2025 |  | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% 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 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.44 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.04% Is Less Than The Guideline Maximum Of 49% 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 0.01 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 507972697 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 503725467 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 524412880 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 503689271 |  | xxx 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 |  |  |  |
| 586171845 |  | xxx 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 - Debt Consolidation |  |  |  |
| 540635465 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 559228777 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | 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 |  |  |  |
| 546921253 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 501605612 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 599657383 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 581325879 |  | xxx D A | Closed | FCRE1198 | 2025-01-17 11:56 | 2025-01-28 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/28/2025 <br> Ready for Review-We have enough assets covering funds to close and for reserves.<br>Reserves: $xxx x 6 = $xxx<br> Assets 1003: $xxx (Please see VOD page xxx of loan package)<br> Cash to Close: $xxx<br>Required Assets: $xxx + $xxx = $xxx <br> Excess Funds: $xxx - $xxx = $xxx - Seller-01/27/2025 <br> Counter-Document Uploaded. The difference in verified assets is coming from the xxx statement dated xxx showing $xxx vs the Final 1003 & 1008 reflect of $xxx - GL's require xxx months of reserves = $xxx - Cash required to Close $xxx Leaving $xxx left in assets or xxx months - Short reserves by $-xxx. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. xxx uploaded Funds to Close covering the Cash to Close - Seller-01/22/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Verified reserves are less than amount required. - Due Diligence Vendor-01/21/2025 | Ready for Review-We have enough assets covering funds to close and for reserves.<br>Reserves: $xxx x 6 = $xxx<br> Assets 1003: $xxx (Please see VOD page xxx of loan package)<br> Cash to Close: $xxx<br>Required Assets: $xxx + $xxx = $xxx<br> Excess Funds: $xxx - $xxx = $xxx - Seller-01/27/2025 <br> Ready for Review-Document Uploaded. xxx uploaded Funds to Close covering the Cash to Close - Seller-01/22/2025 | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/28/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.54% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 581325879 |  | xxx D A | Closed | FCRE7497 | 2025-01-21 09:41 | 2025-01-23 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement provided for Primary Residence (Escrowed) and HOA statement with an Annual fee of $xxx / 12 = $xxx - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/22/2025 <br> Open-Missing HOA Statement for primary residence. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/22/2025<br>| Resolved-Mortgage statement provided for Primary Residence (Escrowed) and HOA statement with an Annual fee of $xxx / 12 = $xxx - Due Diligence Vendor-01/23/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.54% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 509398270 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 549128559 |  | xxx C A | Closed | FCRE6873 | 2025-01-21 16:39 | 2025-01-23 10:34 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Lender provided a Fraud Alert verification report confirming borrower has a loan with Lender. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. Please see attached copy of the fraud alert verification document. - Seller-01/22/2025 <br> Open-. Missing LOX from the borrower verifying credit was requested. Fraud alert beginning xxx for 1 year appears on the borrower's credit report and the borrower's driver's license is expiring 3 days after the Note date. - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. Please see attached copy of the fraud alert verification document. - Seller-01/22/2025<br>| Resolved-Lender provided a Fraud Alert verification report confirming borrower has a loan with Lender. - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.58% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.05 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.04 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 556788984 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 578862404 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | 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 |  |  |  |
| 590094240 |  | xxx 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 |  |  |  |
| 500792641 |  | xxx D A | Closed | FPRO4876 | 2025-01-22 18:56 | 2025-01-28 19:21 | Waived | 2 - Non-Material D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/29/2025 <br> Counter-Subject Property is located in the county of xxx - xxx to be performed after completion or end date of xxx per xxx. xxx reports provided prior to that date will not be accepted by investor. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Subject property is not included on the xxx list - Seller-01/23/2025 <br> Open-Property is located in a xxx and requires a xxx. Property located in xxx designated xxx area. xxx needed - Due Diligence Vendor-01/22/2025 | Ready for Review-xxx - Rebuttal/Comment: Subject property is not included on the xxx list - Seller-01/23/2025 | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/29/2025 | 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 - 15.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.0 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.09 Years |  |  | 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 | Investor Post-Close | No | xxx |
| 572959897 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 518076321 |  | xxx 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 |  |  |  |
| 570383756 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 586162494 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 534863262 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 524745698 |  | xxx D A | Closed | FCRE7497 | 2025-01-23 12:12 | 2025-01-24 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report & Signed Note for xxx was provided, Borrower not responsible for lien payments. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. Please see attached document. - Seller-01/24/2025 <br> Open-Provide letter from borrower or documentation regarding homeowners insurance and HOA fees for xxx. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. Please see attached document. - Seller-01/24/2025<br>| Resolved-Property Report & Signed Note for xxx was provided, Borrower not responsible for lien payments. - Due Diligence Vendor-01/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.89% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.98 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 - 8.0 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.03 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 508024326 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 587799156 |  | xxx C A | Closed | FCRE5047 | 2025-01-23 13:16 | 2025-01-24 12:31 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Final Title Provided showing coverage amount is $xxx - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded FTP - Seller-01/24/2025 <br> Open-Title insurance policy does not state dollar amount. Need updated policy to state amount of coverage. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. xxx - Uploaded FTP - Seller-01/24/2025 | Resolved-Final Title Provided showing coverage amount is $xxx - Due Diligence Vendor-01/24/2025 | 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 0.05<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 599733133 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 525718150 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 558207398 |  | xxx C A | Closed | FCRE5047 | 2025-01-23 15:01 | 2025-01-24 14:16 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Updated Title Policy provided. - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded FTP - Seller-01/24/2025 <br> Open-TItle Policy does not state dollar amount covered. Need updated policy stating proper coverage. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. xxx - Uploaded FTP - Seller-01/24/2025 | Resolved-Updated Title Policy provided. - Due Diligence Vendor-01/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.62% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.23% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) 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 0.06 |  | 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 |
| 503774111 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 588025389 |  | xxx 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 |  |  |  |
| 577015321 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 560639397 |  | xxx C A | Closed | finding-710 | 2025-01-23 15:41 | 2025-01-28 09:18 | Resolved | 1 - Information C A | Compliance | State Reg | TX Constitution A6 Required Fees Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Open-This loan failed the required fees test. (xxx Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended xxx)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Please provided undiscounted/start rate to determine if discount points are bona fide and can be excluded from testing. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.26% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 505711601 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 546251849 |  | xxx D A C | Closed | FCRE5047 | 2025-01-27 13:31 | 2025-01-31 07:46 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Final Title Policy provided with Title coverage of $xxx - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. - Seller-01/30/2025 <br> Open-Title policy does not state dollar amount for loan. Need updated policy stating dollar amount of coverage. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/30/2025<br>| Resolved-Final Title Policy provided with Title coverage of $xxx - Due Diligence Vendor-01/31/2025 | 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 - 12.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 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 - 15.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.98 Are Greater Than The Guideline Minimum Of 9 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 67.44% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 546251849 |  | xxx D A C | Closed | FCRE7497 | 2025-01-27 16:13 | 2025-01-30 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/30/2025 <br> Open-Missing additional payment information for second home at xxx Final 1003 reflects monthly payment $xxx. File contains HOI and tax total $xxx/month.<br> - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/30/2025<br>|  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 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 - 15.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.98 Are Greater Than The Guideline Minimum Of 9 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 67.44% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 546251849 |  | xxx D A C | Closed | FCRE1500 | 2025-01-27 13:51 | 2025-01-30 12:16 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Open-Lender provided an expired USA Patriot Act document for Borrower 1. (License showing expiring xxx). Need updated document showing proper expiration date. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>|  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 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 - 15.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.98 Are Greater Than The Guideline Minimum Of 9 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 67.44% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 546251849 |  | xxx D A C | Closed | FCRE1256 | 2025-01-27 14:51 | 2025-01-30 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Other Property Insurance Policy Partially Provided | Resolved-Per Map search xxx is a store front and HOI policy in file is a blanket policy for both commercial properties. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-xxx - Rebuttal/Comment: Please note that This is not a property and this is a store building, so # could be different but covers all the units. - Seller-01/29/2025 <br> Open-Provide documentation supporting HOI for xxx. QC reviewed file and located HOI policy under document page #xxx for xxx, It appears that xxx may be included under the xxx policy but no supporting documentation of this in the file.<br>- Due Diligence Vendor-01/27/2025 | Ready for Review-xxx - Rebuttal/Comment: Please note that This is not a property and this is a store building, so # could be different but covers all the units. - Seller-01/29/2025 | Resolved-Per Map search xxx is a store front and HOI policy in file is a blanket policy for both commercial properties. - Due Diligence Vendor-01/30/2025 | 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 - 12.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 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 - 15.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.98 Are Greater Than The Guideline Minimum Of 9 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 67.44% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | 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 |
| 546251849 |  | xxx D A C | Closed | FVAL3825 | 2025-01-24 13:07 | 2025-01-28 19:24 | Waived | 2 - Non-Material C A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/29/2025 <br> Open-Property located in xxx. xxx needed"<br> - Due Diligence Vendor-01/24/2025 |  | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/29/2025 | 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 - 12.83 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.59 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 - 15.50 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.98 Are Greater Than The Guideline Minimum Of 9 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 67.44% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 575105094 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 596780077 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 514551605 |  | xxx D A C | Closed | FCRE1469 | 2025-01-27 18:17 | 2025-01-30 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Open-Missing evidence of receipt of $xxx Gift Funds as stated per Gift Letter dated xxx, listed on the final loan application and included in total verified assets per the 1008 provided. If the lender excluded Gift Funds from final consideration, the final 1003 and 1008 should reflect the correct verified assets. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.13 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 514551605 |  | xxx D A C | Closed | FCRE1470 | 2025-01-27 18:18 | 2025-01-30 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Open-Missing evidence of receipt of $xxx Gift Funds as stated per Gift Letter dated xxx, listed on the final loan application and included in total verified assets per the 1008 provided. If the lender excluded Gift Funds from final consideration, the final 1003 and 1008 should reflect the correct verified assets. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.13 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 573684375 |  | xxx A | Closed | FVAL3825 | 2025-01-24 14:30 | 2025-01-28 19:55 | Resolved | 1 - Information A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-Appraisal completion report / xxx provided in file - Due Diligence Vendor-01/29/2025 <br> Rescinded-Property located in xxx. xxx is ongoing. xxx required with inspection performed after completion and/or end date. - Due Diligence Vendor-01/29/2025 |  | Resolved-Appraisal xxx report / xxx report provided in file - Due Diligence Vendor-01/29/2025 <br> Rescinded-Property located in xxx. xxx is ongoing. xxx required with inspection performed after completion and/or end date. - Due Diligence Vendor-01/29/2025 | 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.69% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 568302667 |  | xxx D A | Closed | FCRE1764 | 2025-01-28 09:41 | 2025-01-31 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-xxx - xxx #xxx is still in UW $xxx Final CD, HOI & Tax Cert provided for xxx-xxx #xxx $xxx - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Please note that for xxx. - xxx is still on UW approval. - Seller-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Counter-HOI Provided for xxx - xxx #xxx however missing new Loan documents confirming total payment of $xxx and Final CD for xxx-xxx #xxx is missing Tax cert & HOI for a total payment of $xxx reflected on Final 1003. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 <br> Open-Missing verification of following REO new mortgages reflected on Final 1003:<br> - xxx - xxx #xxx $xxx<br> - xxx-xxx #xxx $xxx - Due Diligence Vendor-01/28/2025 | Ready for Review-Please note that for xxx. - xxx is still on UW approval. - Seller-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/29/2025 <br> Ready for Review-Document Uploaded. - Seller-01/28/2025 | Resolved-xxx - xxx #xxx is still in UW $xxx Final CD, HOI & Tax Cert provided for xxx-xxx #xxx $xxx - Due Diligence Vendor-01/31/2025 | 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 - 6.73 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 587753803 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 535643255 |  | xxx C A | Closed | FVAL3825 | 2025-01-27 18:51 | 2025-01-31 06:56 | Resolved | 1 - Information C A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Please note that we have provided xxx on loan package reflecting that there is no sustained xxx from xxx and xxx<br>Refer to page xxx - xxx - Seller-01/28/2025 <br> Open-Property located in xxx. xxx needed - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. Please note that we have provided xxx on loan package reflecting that there is no sustained xxx from xxx and xxx<br>Refer to page xxx - xxx - Seller-01/28/2025 | Resolved-Per xxx directive, property located outside of immediate xxx area. xxx reflects no xxx or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 | 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.68% Is Less Than The Guideline Maximum Of 49% 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 0.0<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.30 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 551823165 |  | xxx D A | Closed | FCRE7497 | 2025-01-28 12:27 | 2025-02-05 07:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE provided for xxx - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/04/2025 <br> Counter-Document Uploaded. Per the Mortgage statement for xxx - the Loan is fully escrowed with a PITI payment of $xxx - The TIA box on the 1003 should be xxx unless there are additional fees and an LOE is needed to explain what those additional fees are for. ($xxx) - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. - Seller-02/03/2025 <br> Counter-Document Uploaded. The Final 1003 reflects an additional $xxx - The $xxx is the same monthly amount on the Mortgage statement that "includes escrow". The Exception is asking where the additional $xxx is coming from - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Rebuttal/Comment: xxx is for Insurance ($xxx) and Tax ($xxx) - Seller-01/30/2025 <br> Open-Provided documentation to support additional PITIA for property xxx current mortgage statementpg xxx provided shows escrowed payment to be $xxx which is the same as the stated P&I only on the 1003. Provide letter of information showing additional $xxx stated on 1003 <br>- Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-02/03/2025 <br> Ready for Review-Document Uploaded. Rebuttal/Comment: xxx is for Insurance ($xxx) and Tax ($xxx) - Seller-01/30/2025 | Resolved-LOE provided for xxx - Due Diligence Vendor-02/05/2025 | 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 - 34.07 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.07 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.11 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.21% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 579182327 |  | xxx C A | Closed | FPRO9939 | 2025-01-27 04:23 | 2025-01-31 13:01 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Updated UCDP provided prior to closing date. Desk review not required. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded 2nd Revised SSR xxx (CU - 1.3) and SSR xxx (LCA - 3).<br> Please note that per guidelines, Loan Amount ≤ $xxx: One (1) Full Appraisal + CDA\* if both CU and LCA Scores are > 2.5 or not available. <br> In this case. only LCA Score > 2.5. Therefore, CDA is not required. - Seller-01/30/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) Per guidelines in need of a CDA desk review since CU and LCA appraisal's both have a score over 2.5 - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. xxx - Uploaded 2nd Revised SSR xxx (CU - 1.3) and SSR xxx (LCA - 3).<br> Please note that per guidelines, Loan Amount ≤ $xxx: One (1) Full Appraisal + CDA\* if both CU and LCA Scores are > 2.5 or not available. <br> In this case. only LCA Score > 2.5. Therefore, CDA is not required. - Seller-01/30/2025 | Resolved-Updated UCDP provided prior to closing date. Desk review not required. - Due Diligence Vendor-01/31/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.41 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.07 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.15 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 554402712 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 580347299 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 516771536 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 548152372 |  | xxx C A | Closed | finding-3352 | 2025-01-28 16:45 | 2025-01-30 10:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/30/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to confirm if loan is HPML Compliant; lender to provide evidence that borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. - Seller-01/30/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.22 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 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 506634360 |  | xxx D A | Closed | FCOM1544 | 2025-01-30 05:47 | 2025-02-10 14:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Doc sufficient - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded final CD - Seller-02/01/2025 <br> Open-TRID: Missing Final Closing Disclosure Documents in the file indicate closing occurred on xxx. Lender to provide a copy of the Final CD. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. xxx - Uploaded final CD - Seller-02/01/2025 | Resolved-Doc sufficient - Due Diligence Vendor-02/10/2025<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 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.46% Is Less Than The Guideline Maximum Of 49% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 506634360 |  | xxx D A | Closed | FPRO1242 | 2025-01-29 15:23 | 2025-02-03 07:48 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded Appraisal Report - Seller-02/01/2025 <br> Open-Appraisal is Missing full appraisal required per guidelines - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. xxx - Uploaded Appraisal Report - Seller-02/01/2025 | Resolved-Appraisal has been provided - Due Diligence Vendor-02/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.46% Is Less Than The Guideline Maximum Of 49% 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 | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 506634360 |  | xxx D A | Closed | FPRO4876 | 2025-01-29 16:30 | 2025-01-30 17:22 | Waived | 2 - Non-Material D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/30/2025 <br> Open-Property is located in a xxx and requires a xxx. - Due Diligence Vendor-01/29/2025 |  | Waived-Property located outside of xxx area per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/30/2025 | 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.46% Is Less Than The Guideline Maximum Of 49% 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 |  |  | 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 | Investor Post-Close | No | xxx |
| 571057995 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | 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 |  |  |  |
| 599590124 |  | xxx C A | Closed | FCRE1167 | 2025-02-27 06:34 | 2025-03-03 15:14 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/03/2025 <br> Ready for Review-xxx: We have a master policy in the file that covers the borrower's unit building since this is a condo. This will cover our loan amount. Mater policy on page xxx of loan package. - Seller-02/28/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-02/27/2025 | Ready for Review-xxx: We have a master policy in the file that covers the borrower's unit building since this is a condo. This will cover our loan amount. Mater policy on page xxx of loan package. - Seller-02/28/2025 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 529734468 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 511017128 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 562685942 |  | xxx 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 99.23

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.23**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 556677277 |  | xxx | xxx A |
| 593843394 |  | xxx | xxx A |
| 519989057 |  | xxx | xxx A |
| 538118235 |  | xxx | xxx A |
| 502286171 |  | xxx | xxx D A |
| 569955521 |  | xxx | xxx A |
| 555586033 |  | xxx | xxx C A |
| 581565996 |  | xxx | xxx A |
| 537802752 |  | xxx | xxx A |
| 559741483 |  | xxx | xxx A |
| 594112151 |  | xxx | xxx A C |
| 507972697 |  | xxx | xxx A |
| 503725467 |  | xxx | xxx A |
| 524412880 |  | xxx | xxx A |
| 503689271 |  | xxx | xxx A |
| 586171845 |  | xxx | xxx A |
| 540635465 |  | xxx | xxx A |
| 559228777 |  | xxx | xxx A |
| 546921253 |  | xxx | xxx A |
| 501605612 |  | xxx | xxx A |
| 599657383 |  | xxx | xxx A |
| 581325879 |  | xxx | xxx D A |
| 509398270 |  | xxx | xxx A |
| 549128559 |  | xxx | xxx C A |
| 556788984 |  | xxx | xxx A |
| 578862404 |  | xxx | xxx A |
| 590094240 |  | xxx | xxx A |
| 500792641 |  | xxx | xxx A D |
| 572959897 |  | xxx | xxx A |
| 518076321 |  | xxx | xxx A |
| 570383756 |  | xxx | xxx A |
| 586162494 |  | xxx | xxx A |
| 534863262 |  | xxx | xxx A |
| 524745698 |  | xxx | xxx D A |
| 508024326 |  | xxx | xxx A |
| 587799156 |  | xxx | xxx C A |
| 599733133 |  | xxx | xxx A |
| 525718150 |  | xxx | xxx A |
| 558207398 |  | xxx | xxx C A |
| 503774111 |  | xxx | xxx A |
| 588025389 |  | xxx | xxx A |
| 577015321 |  | xxx | xxx A |
| 560639397 |  | xxx | xxx A C |
| 505711601 |  | xxx | xxx A |
| 546251849 |  | xxx | xxx D A C |
| 575105094 |  | xxx | xxx A |
| 596780077 |  | xxx | xxx A |
| 514551605 |  | xxx | xxx D C A |
| 573684375 |  | xxx | xxx A |
| 568302667 |  | xxx | xxx D A |
| 587753803 |  | xxx | xxx A |
| 535643255 |  | xxx | xxx A C |
| 551823165 |  | xxx | xxx D A |
| 579182327 |  | xxx | xxx A C |
| 554402712 |  | xxx | xxx A |
| 580347299 |  | xxx | xxx A |
| 516771536 |  | xxx | xxx A |
| 548152372 |  | xxx | xxx A C |
| 506634360 |  | xxx | xxx A D |
| 571057995 |  | xxx | xxx A C |
| 599590124 |  | xxx | xxx C A |
| 529734468 |  | xxx | xxx A |
| 511017128 |  | xxx | xxx A |
| 562685942 |  | xxx | xxx A |

---

## Exhibit 99.24

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 556677277 |  | xxx | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 593843394 |  | xxx | xxx | xxx | 0.0 |  | xxx | xxx | 1073 Individual Condo Report | xxx | 74.82 | 74.82 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 519989057 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 538118235 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 73.79 | 73.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | xxx |
| 502286171 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 569955521 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 555586033 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 51.43 | 51.43 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 581565996 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | xxx |
| 537802752 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2.7 | xxx |
| 559741483 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 594112151 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 507972697 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 79.87 | 79.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 503725467 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 524412880 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 |  |
| 503689271 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.37 | 43.37 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 586171845 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | xxx | Not Eligible | 4.1 |  |
| 540635465 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 559228777 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 41.38 | 41.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 546921253 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 40.3 | 40.3 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 501605612 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 599657383 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 581325879 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.9 | xxx |
| 509398270 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 549128559 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 556788984 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 578862404 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 45.17 | 45.17 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 590094240 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.09 | 35.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 500792641 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 572959897 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 32.34 | 32.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 518076321 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 570383756 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 3.3 | xxx |
| 586162494 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 534863262 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 74.9 | 74.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 524745698 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | xxx |
| 508024326 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 68.97 | 68.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | xxx |
| 587799156 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | xxx |
| 599733133 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  | xxx | xxx | .0062 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 525718150 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 558207398 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 69.23 | 69.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 503774111 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 588025389 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | xxx |
| 577015321 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 560639397 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | xxx |
| 505711601 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.68 | 65.68 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 546251849 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 67.44 | 67.44 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 575105094 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 50.03 | 50.03 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 596780077 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 514551605 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 573684375 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | xxx |
| 568302667 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 587753803 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | xxx | -.0392 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0392 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 535643255 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 551823165 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 579182327 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 554402712 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.6 | xxx |
| 580347299 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 40.82 | 40.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 516771536 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 59.69 | 59.69 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 548152372 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 506634360 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 74.55 | 74.55 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 571057995 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 22.6 | 22.6 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 599590124 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 69.4 | 69.4 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | xxx |
| 529734468 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 511017128 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 562685942 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 46.38 | 46.38 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.25

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 556677277 | xxx |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 593843394 | xxx |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 519989057 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 538118235 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 502286171 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 569955521 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 555586033 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 581565996 | xxx |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 537802752 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 559741483 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 594112151 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 507972697 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 503725467 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 524412880 | xxx |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 503689271 | xxx |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 586171845 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 540635465 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 559228777 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 546921253 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | Yes |  | No |  |
| 501605612 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 599657383 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 581325879 | xxx |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 509398270 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 549128559 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 556788984 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 578862404 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 590094240 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 500792641 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 572959897 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 518076321 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 570383756 | xxx |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 586162494 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 534863262 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 524745698 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 508024326 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 587799156 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 599733133 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Unknown | No | No | No |  |
| 525718150 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 558207398 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 503774111 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 588025389 | xxx |  | 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 | Yes | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 577015321 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Unknown | No | No | No |  |
| 560639397 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 505711601 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 546251849 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 575105094 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 596780077 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 514551605 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 573684375 | xxx |  | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 568302667 | xxx |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 587753803 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | Yes |  | Yes | Present |
| 535643255 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 551823165 | xxx |  | 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 | N/A | Employed |  | No |  | Yes | Present |
| 579182327 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 554402712 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 580347299 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 516771536 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 548152372 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 506634360 | xxx |  | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 571057995 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 599590124 | xxx |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 529734468 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 511017128 | xxx |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 562685942 | xxx |  | 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 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |

---

## Exhibit 99.26

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.26**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 535643255 |  | xxx | Borrower 1 Self-Employment Flag | Yes | No |  |
| 573684375 |  | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 568302667 |  | xxx | Property Type | Single Family Detached | CLR |  |
| 599590124 |  | xxx | Property Type | Townhouse | PUD |  |
| 559741483 |  | xxx | Qualifying Total Debt Income Ratio | 41.91 | 37.74 | xxx |

---

## Exhibit 99.27

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.27**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** |
| 556677277 |  | xxx | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx |  |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Alt Doc - No Ratio | 0 | 0 NA | N/A | 0 | N/A |  | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A |  | NA | 0 | No |  | NA | 0 | 0 | N/A | NA |  | 0 | N/A | Yes | 0.684 | 0 | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | null | null |
| 593843394 |  | xxx | xxx | xxx | xxx | Yes | xxx | xxx | xxx | xxx | xxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | xxx | xxx | xxx | xxx | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.959 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | xxx | xxx | xxx | No | 74.82 | N/A | xxx | null | null |
| 519989057 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.98% | 31.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 158 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx |
| 538118235 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.85% | 28.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - 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 | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.79 | N/A | xxx | xxx | xxx |
| 502286171 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.53% | 47.53% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | FNMA 1005 | Yes | 24 | 24 | FNMA 1005 | No | 0 | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | 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 | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx |
| 569955521 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.05% | 35.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 22 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 555586033 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.75% | 40.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 70 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | xxx | xxx | xxx | No | 51.43 | N/A | xxx | xxx | xxx |
| 581565996 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.23% | 4.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 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 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T 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 | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx |
| 537802752 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.40% | 40.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 99 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 559741483 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.91% | 41.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | USA | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx |
| 594112151 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.04% | 32.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx |
| 507972697 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.86% | 29.86% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 0.00% | 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 | 0 | N/A | Borrower - N/A, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | 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 | xxx | xxx | xxx | No | 79.87 | N/A | xxx | xxx | xxx |
| 503725467 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.10% | 45.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 50 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE 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 | Passport |  | xxx | United States | xxx | USA | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 524412880 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.51% | 15.51% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 81 | 81 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE 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 | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx |
| 503689271 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.42% | 45.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 29 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE 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 | .00 | .00 | xxx | xxx | No | 43.37 | N/A | xxx | xxx | xxx |
| 586171845 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.64% | 33.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 540635465 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.05% | 40.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 17 | 17 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 559228777 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.21% | 35.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, null Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T 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 | xxx | xxx | xxx | No | 41.38 | N/A | xxx | xxx | xxx |
| 546921253 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.57% | 38.57% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Other | USA Patriot Act | xxx | CANADA | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 40.3 | N/A | xxx | xxx | xxx |
| 501605612 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.67% | 40.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 599657383 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.19% | 43.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 70.59% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 581325879 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 18.54% | 18.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 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 | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx |
| 509398270 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.38% | 32.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE 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 | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 549128559 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.58% | 24.58% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 23 | 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 \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | 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 | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 556788984 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx |  | Annually | 0.00% | 23.81% | 23.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 578862404 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.45% | 14.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | xxx | xxx | xxx | No | 45.17 | N/A | xxx | xxx | xxx |
| 590094240 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.17% | 20.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 24 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Other | USA Patriot ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.09 | N/A | xxx | xxx | xxx |
| 500792641 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.36% | 45.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - 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 | Permanent Resident Alien | Permanent Resident Alien |  | Standard Driver's License - Not for federal use | US Patriot Act | xxx | Permanent Resident Alien | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 572959897 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 16.08% | 16.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Audited | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 32.34 | N/A | xxx | xxx | xxx |
| 518076321 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.34% | 45.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 45 | 45 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Overtime and Bonus - Written VOE 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 | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 570383756 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.10% | 19.10% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 45 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 586162494 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.43% | 36.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 47 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Commission - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | US Patriot | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx |
| 534863262 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.94% | 36.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor - 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 | xxx | xxx | xxx | No | 74.9 | N/A | xxx | xxx | xxx |
| 524745698 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 5.89% | 5.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T 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 | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx |
| 508024326 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.00% | 22.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 23 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | 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 | Other | US Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.97 | N/A | xxx | xxx | xxx |
| 587799156 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.43% | 47.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 599733133 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.50% | 23.50% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | Tax Preparer | N/A | N/A | 0 | Yes | 108 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Other - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 525718150 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.25% | 17.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 558207398 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.62% | 40.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.23 | N/A | xxx | xxx | xxx |
| 503774111 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.60% | 38.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 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 | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T 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 | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx |
| 588025389 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.20% | 44.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Other | US Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 577015321 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 4.79% | 4.79% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Other - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx |
| 560639397 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.26% | 39.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 44 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Other - Written VOE 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 | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx |
| 505711601 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.17% | 49.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other, Wage, Overtime and Bonus, Commission, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.68 | N/A | xxx | xxx | xxx |
| 546251849 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.51% | 45.51% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% | Stocks/Bonds | Audited | 23 | CPA | Audited | CPA | 23 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.44 | N/A | xxx | xxx | xxx |
| 575105094 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 15.14% | 15.14% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower | Borrower \|\| Co Borrower | 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 | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50.03 | N/A | xxx | xxx | xxx |
| 596780077 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.58% | 41.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | Texas | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx |
| 514551605 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.05% | 44.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 573684375 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.69% | 43.69% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 54 | 35 | FNMA 1005 | No | 0 |  | N/A | Borrower \|\| Co Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower \|\| Co Borrower | xxx | 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 | No | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Non-US Citizen | No | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx |
| 568302667 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 16.99% | 16.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx |
| 587753803 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.87% | 43.87% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 122 | 35 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Other | USA PATRIOT ACT | xxx | China | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A | xxx | xxx | xxx |
| 535643255 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.68% | 35.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | xxx | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx |
| 551823165 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.33% | 34.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, 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 | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx |
| 579182327 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.67% | 45.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 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% | 50.00% |  |  | 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 | 0 |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | 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 | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 554402712 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.75% | 28.75% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 49.00% |  |  | 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 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - 2024 \|\| Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | 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 | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx |
| 580347299 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.39% | 21.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | Yes | 72 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - CPA Letter Verified, Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 40.82 | N/A | xxx | xxx | xxx |
| 516771536 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.23% | 32.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 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% |  |  | Audited | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T 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 | xxx | xxx | xxx | No | 59.69 | N/A | xxx | xxx | xxx |
| 548152372 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.08% | 37.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 23 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 506634360 |  | xxx | 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 |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.46% | 43.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 22 | CPA | N/A | N/A | 0 | Yes | 2 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 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 | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.55 | N/A | xxx | xxx | xxx |
| 571057995 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 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 | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | 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 | 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 | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 22.6 | No | xxx | xxx | xxx |
| 599590124 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.40% | 48.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | Yes | Borrower - Wage - Written VOE 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 | .00 | .00 | xxx | xxx | No | 69.4 | N/A | xxx | xxx | xxx |
| 529734468 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.17% | 46.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 14 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx |
| 511017128 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.61% | 34.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx |
| 562685942 |  | xxx | 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 | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.40% | 42.40% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | 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, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower - N/A | Borrower - 2024 \|\| Co Borrower | 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 | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States | 05-20-2025 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.38 | N/A | xxx | xxx | xxx |

---

## Exhibit 99.28

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.28**

![](ex9928001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage V LLC. The review included a total of 70 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2025-NQM4 (the "Securitization"). The Review was conducted from March 2022 to June 2025 on mortgage loans originated between February 2022 and May 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**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. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably For loans reviewed in a post-close valuation review scenario (70 loans in total):

Eleven (11) loans had a Secondary Appraisal, zero (0) loans had AVMs, and seventy (70) loans had Desktop Reviews.

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.

Zero (0) loans had a Field Review, and zero (0) loans had an Exterior Only Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 70 mortgage loans reviewed, thirty-two (32) unique mortgage loans (45.71% by loan count) had a total of thirty-nine (39) different tape discrepancies across eleven (11) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy** <br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;11 | &nbsp;&nbsp;28.21% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;9 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.26% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.26% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.26% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**39** | &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 by <br> Loan Count |
| Event Grade A | 67 | $45533589.00 | 95.71% |
| Event Grade B | 3 | $5658000.00 | 4.29% |
| Event Grade C | 0 | $0 | 0% |
| Event Grade D | 0 | $0 | 0% |
| **Total Sample** | 70 | $51191589.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 69 | 98.57% |
| Event Grade B | 1 | 1.43% |

---

---

| | | |
|:---|:---|:---|
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 70 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 68 | 97.14% |
| Event Grade B | 2 | 2.86% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 70 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 70 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 70 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;58 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;HO6 Master Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***68*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &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;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***68*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***67*** |

---

**Event Grade Definitions**

---

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

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

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

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

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## Exhibit 99.29

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.29**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 536783959 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 536783959 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 536783959 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 555268456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Missing Flood Certificate | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved | 06/06/2025 | D A |
| 555268456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/03/2025 | D A |
| 555268456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/03/2025 | D A |
| 524102869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed The Deed of Trust is Not Executed | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved | 06/06/2025 | D A |
| 524102869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/03/2025 | D A |
| 524102869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/03/2025 | D A |
| 579581125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved | 06/06/2025 | D A |
| 579581125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Executed Notes, and Executed Final Closing Disclosures for concurrent loan closings XXX; XXX; XXX; XXX. Required per lender final approval. | Document Uploaded. | 06/04/2025 | Documentation provided is sufficient. Exception resolved. | 06/06/2025 | D A |
| 579581125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/03/2025 | D A |
| 579581125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/03/2025 | D A |
| 554792670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/03/2025 | A |
| 554792670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/03/2025 | A |
| 554792670 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/03/2025 | A |
| 563496672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 563496672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 563496672 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 538643763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 538643763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 538643763 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 558550114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 558550114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 558550114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 542448633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 542448633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 542448633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 578238920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 578238920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 578238920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 528888665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/04/2025 | 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 |
| 528888665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | 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 |
| 528888665 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | 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 |
| 535934630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 535934630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 535934630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 530759968 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 530759968 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 530759968 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 531207252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 531207252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 531207252 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 559389242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from XXX (pg. XXX) , which matches the subject lender, and therefore, RTC form model H9 (Same Creditor) was required to be used. | Document Uploaded. | 06/06/2025 | Cure package provided | 06/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 559389242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 559389242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 564809089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | 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 |
| 564809089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | 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 |
| 564809089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | 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 |
| 578281726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 578281726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 578281726 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 552229136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 552229136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 552229136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 570251227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE1483 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements A $XXX Gift Letter from borrower's brother, XXX XXX, and a $XXX wire receipt from XXX to XXX were present in the loan file. Supporting documentation to establish ownership of XXX. by donor, XXX, is required, reflecting funds originated from Gift Letter asset, XXX, #XXX. | Document Uploaded. | 06/11/2025 | Condition resolved as we have received evidence that the gift donor works for the company with name listed on check for the gift. ; Asset XXX Meets Guideline Requirements Or XXX | 06/12/2025 | 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 |
| 570251227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/05/2025 | 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 |
| 570251227 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | 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 |
| 569129073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 569129073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 569129073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 512244589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 512244589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 512244589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 509638285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 509638285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 509638285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 560370051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing monthly payment for the auto loan with XXX #XXX. Tradeline is showing an open balance of $XXX and no monthly payment. Lender to verify a monthly payment or acceptably document the exclusion of the debt. | Document Uploaded. | 06/10/2025 | Documentation provided is sufficient. Exception resolved. | 06/11/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 560370051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 560370051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 575486625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | A |
| 575486625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | A |
| 575486625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | A |
| 559945138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | 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 |
| 559945138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | 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 |
| 559945138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | 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 |
| 502958122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 502958122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 502958122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 562223533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 562223533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 562223533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 597319354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 597319354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 597319354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 562525663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 562525663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 562525663 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 574687231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 574687231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 574687231 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 591382447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 591382447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 591382447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 543878225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Policy rating information on page XXX reflects subject is tenant occupied vs submitted as owner occupied; and also reflects number of attached units is XXX or XXX vs submitted as SFR. | Document Uploaded. ; Document Uploaded. page 2 updated to owner occupied. We were advised that the XXX cannot change the spot for # of attached units: 1 OR 2. advised to refer to the RCE for SFR. | 06/20/2025 | Documentation provided is sufficient. Exception resolved. | 06/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 543878225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The the appraiser States there is a unpermitted 2nd kitchen, and an unpermitted addition, that appears to be permitted as a den only, but no explanation as to why, and whether the property has an ADU. | Document Uploaded. | 06/11/2025 | Explanation provided is sufficient. Exception resolved. | 06/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 543878225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Initial Escrow Account Disclosure on page XXX is cut off and cannot be verified. | Document Uploaded. | 06/10/2025 | Initial Escrow Account Disclosure is Resolved | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 502390278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 502390278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 502390278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 546219730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | A |
| 546219730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | A |
| 546219730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | A |
| 544388729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE1174 | Credit | HO6 Master Insurance Policy is Partial | HO-XXX Master Insurance Policy Partially Provided - Missing policy effective and expiration dates | Document Uploaded. Last Page shows effective dates; Document Uploaded. | 06/10/2025 | Documentation provided is sufficient. Exception resolved.; The request is for Master Insurance policy missing effective and expiration dates and not the H06 insurance as uploaded. Exception remains. | 06/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 544388729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 544388729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 566834942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Final 1003 reflects REO's XXX and XXX have been recently refinanced with XXX. XXX refinance documentation for the two REO properties was not located in the loan file. Executed XXX documentation supporting terms of PITIA repayment for REO's XXX and XXX are required, including Flood Insurance premiums. | Document Uploaded. ; Document Uploaded. | 06/20/2025 | DTI updated accordingly per closing documentations provided. Exception resolved.; Documentation received does not break down the PITIA for properties. Please provide Final CD's signed and dated or documentation verifying the Taxes, Insurance (and Flood Ins if applicable) and HOA if applicable for for REO's XXX and XXX. Exception Remains. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 566834942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130 Cure Required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund. The file is missing a valid COC to support the following fee increase: - The Transfer Taxes increased from $XXX to $XXX on the initial CD dated XX/XX/XXXX. The loan amount remained the same, at $XXX, and the file does not contain a valid COC for the increase of this fee. | Document Uploaded. | 06/17/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 566834942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 561123430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 561123430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 561123430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 523436158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 523436158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 523436158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 553606906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 553606906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 553606906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 593195193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 593195193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 593195193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 580804173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 580804173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 580804173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 509660762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 509660762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 509660762 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 551196995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 551196995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 551196995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 549598122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 549598122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 549598122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | 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 XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 547803237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 547803237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 547803237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 574036651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 574036651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 574036651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 516837449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | A |
| 516837449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | A |
| 516837449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | A |
| 502167167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | This purchase was completed through title-this is their contract. Please re-review. ; Document Uploaded. | 06/16/2025 | Documentation provided is sufficient. Exception resolved.; Purchase Contract Doc is not Missing, or is XXX.; The request is for purchase contract and not Title documents. Please upload accordingly. Exception remains. | 06/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 502167167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 502167167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 552763304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 552763304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 552763304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 506129395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | A |
| 506129395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | A |
| 506129395 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | A |
| 594513396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM3530 | Compliance | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (XX/XX/XXXX.XXX(c) (XXX)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. HPML escrow established, appraisal requirement met | Document Uploaded. ; Document Uploaded. | 06/13/2025 | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or Unable to Determine; HPML does not allow the borrower to waive the XXX day right to receive the appraisal | 06/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 594513396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 594513396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California 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 California Financial Code.While the California 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 escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 594513396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 594513396 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 551494334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 551494334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 551494334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 545322117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 545322117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 545322117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 513293343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/07/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per lender approval the appraised value is $XXX vs audit appraised value of $XXX per appraisal and desk review found in file. | Document Uploaded. | 06/12/2025 | Documentation provided is sufficient. Exception resolved. | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 513293343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 513293343 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 597714595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 597714595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 597714595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 543959800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 543959800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 543959800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 577887793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines P&L is expired. Per lender guidelines: P&L end date must be less than sixty (XXX) days old at closing. P&L end date is XX/XX/XXXX vs note date of XX/XX/XXXX which is XXX days, not less than XXX days. | Document Uploaded. | 06/12/2025 | Income and Employment Do Not Meet Guidelines Lender qualified borrower using income from P&L Statement under Alt-Doc Prime P&L XXX year fixed loan program, however, P&L end date is XX/XX/XXXX vs Note date of XX/XX/XXXX which is XXX days and not less than XXX days required by guidelines. Lender identified the following compensating factors to justify the exception: | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 577887793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 577887793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 548611990 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 548611990 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 548611990 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 531432985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 531432985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 531432985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 577106186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 577106186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 577106186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 591012936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 591012936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 591012936 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 524361768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 524361768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 524361768 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 546880306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 546880306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 546880306 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 517810668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 517810668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 517810668 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 534034782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). TILA 130B Cure Required Refund in the amount of $XXX were due to Transfer Tax increase on the Final CD dated XX/XX/XXXX The Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The COC in file did not list a valid reason for why the fee increased on the Final CD | Document Uploaded. | 06/16/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 534034782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 534034782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 570525095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 570525095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 570525095 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 561336037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 561336037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 545262125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/25/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 545262125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/25/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 545262125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/25/2022 | Resolved |  | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |

---

## Exhibit 99.30

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.30**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 536783959 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0313 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0312 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 3.12% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 555268456 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 524102869 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 579581125 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 554792670 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 563496672 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 538643763 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 558550114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 542448633 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 578238920 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 528888665 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 535934630 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 530759968 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .1098 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Inadequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 531207252 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.98 | 61.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 559389242 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0155 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 1.55% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 564809089 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 578281726 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.56 | 57.56 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 552229136 | 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 | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 570251227 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 530578752 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 569129073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 512244589 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 509638285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 560370051 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.57 | 78.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 575486625 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 559945138 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 502958122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 562223533 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.52 | 32.52 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 597319354 | 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 | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 562525663 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 574687231 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 58.31 | 58.31 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 591382447 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.85 | 73.85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 543878225 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.57 | 47.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 502390278 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.73 | 74.73 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0015 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.14% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 546219730 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 544388729 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.77 | 69.77 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 566834942 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0714 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Inadequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 561123430 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.89 | 79.89 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 523436158 | 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 | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 553606906 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0130 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0130 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0130 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 593195193 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.09 | 71.09 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 580804173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 509660762 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.41 | 52.41 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 551196995 | 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 | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 549598122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 547803237 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0082 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.81% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 574036651 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.73 | 79.73 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0673 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 516837449 | 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 | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 502167167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 552763304 | 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 | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 506129395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 594513396 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.91 | 50.91 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 551494334 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 545322117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 77.27 | 77.27 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 513293343 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.2 | 24.2 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 597714595 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 543959800 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.63 | 50.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 577887793 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 548611990 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 587434647 | 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 | Resonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 531432985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 577106186 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0448 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 4.47% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 591012936 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 524361768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.98 | 27.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 546880306 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 517810668 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.25 | 59.25 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 534034782 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.97 | 59.97 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 570525095 | 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 | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 561336037 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 83.92 | 83.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | 0.082 | XX/XX/XXXX | 1025 Small Residential Income Report | 1025 Small Residential Income Report |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 545262125 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | 0.05 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |

---

## Exhibit 99.31

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.31**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 536783959 | XXXXX |  | $XXXXXX A |
| 555268456 | XXXXX |  | $XXXXXX D A |
| 524102869 | XXXXX |  | $XXXXXX D A |
| 579581125 | XXXXX |  | $XXXXXX D A |
| 554792670 | XXXXX |  | $XXXXXX A |
| 563496672 | XXXXX |  | $XXXXXX A |
| 538643763 | XXXXX |  | $XXXXXX A |
| 558550114 | XXXXX |  | $XXXXXX A |
| 542448633 | XXXXX |  | $XXXXXX A |
| 578238920 | XXXXX |  | $XXXXXX A |
| 528888665 | XXXXX |  | $XXXXXX A |
| 535934630 | XXXXX |  | $XXXXXX A |
| 530759968 | XXXXX |  | $XXXXXX A |
| 531207252 | XXXXX |  | $XXXXXX A |
| 559389242 | XXXXX |  | $XXXXXX A B |
| 564809089 | XXXXX |  | $XXXXXX A |
| 578281726 | XXXXX |  | $XXXXXX A |
| 552229136 | XXXXX |  | $XXXXXX A |
| 570251227 | XXXXX |  | $XXXXXX C A |
| 530578752 | XXXXX |  | $XXXXXX A |
| 569129073 | XXXXX |  | $XXXXXX A |
| 512244589 | XXXXX |  | $XXXXXX A |
| 509638285 | XXXXX |  | $XXXXXX A |
| 560370051 | XXXXX |  | $XXXXXX C A |
| 575486625 | XXXXX |  | $XXXXXX A |
| 559945138 | XXXXX |  | $XXXXXX A |
| 502958122 | XXXXX |  | $XXXXXX A |
| 562223533 | XXXXX |  | $XXXXXX A |
| 597319354 | XXXXX |  | $XXXXXX A |
| 562525663 | XXXXX |  | $XXXXXX A |
| 574687231 | XXXXX |  | $XXXXXX A |
| 591382447 | XXXXX |  | $XXXXXX A |
| 543878225 | XXXXX |  | $XXXXXX D B C A |
| 502390278 | XXXXX |  | $XXXXXX A |
| 546219730 | XXXXX |  | $XXXXXX A |
| 544388729 | XXXXX |  | $XXXXXX D A |
| 566834942 | XXXXX |  | $XXXXXX D C A B |
| 561123430 | XXXXX |  | $XXXXXX A |
| 523436158 | XXXXX |  | $XXXXXX A |
| 553606906 | XXXXX |  | $XXXXXX A |
| 593195193 | XXXXX |  | $XXXXXX A |
| 580804173 | XXXXX |  | $XXXXXX A |
| 509660762 | XXXXX |  | $XXXXXX A |
| 551196995 | XXXXX |  | $XXXXXX A |
| 549598122 | XXXXX |  | $XXXXXX A |
| 547803237 | XXXXX |  | $XXXXXX A |
| 574036651 | XXXXX |  | $XXXXXX A |
| 516837449 | XXXXX |  | $XXXXXX A |
| 502167167 | XXXXX |  | $XXXXXX D A |
| 552763304 | XXXXX |  | $XXXXXX A |
| 506129395 | XXXXX |  | $XXXXXX A |
| 594513396 | XXXXX |  | $XXXXXX A C |
| 551494334 | XXXXX |  | $XXXXXX A |
| 545322117 | XXXXX |  | $XXXXXX A |
| 513293343 | XXXXX |  | $XXXXXX A C |
| 597714595 | XXXXX |  | $XXXXXX A |
| 543959800 | XXXXX |  | $XXXXXX A |
| 577887793 | XXXXX |  | $XXXXXX C A B |
| 548611990 | XXXXX |  | $XXXXXX A |
| 587434647 | XXXXX |  | $XXXXXX A |
| 531432985 | XXXXX |  | $XXXXXX A |
| 577106186 | XXXXX |  | $XXXXXX A |
| 591012936 | XXXXX |  | $XXXXXX A |
| 524361768 | XXXXX |  | $XXXXXX A |
| 546880306 | XXXXX |  | $XXXXXX A |
| 517810668 | XXXXX |  | $XXXXXX A |
| 534034782 | XXXXX |  | $XXXXXX A C |
| 570525095 | XXXXX |  | $XXXXXX A |
| 561336037 | XXXXX |  | $XXXXXX A |
| 545262125 | XXXXX |  | $XXXXXX A |

---

## Exhibit 99.32

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.32**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **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** |
| 536783959 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 555268456 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 524102869 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 579581125 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 554792670 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 563496672 | XXXXX | 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 | Conventional | 30 Year Fixed |  | 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 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 538643763 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 1 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 558550114 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 542448633 | XXXXX | 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 | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 578238920 | XXXXX | 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 | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 528888665 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | No | 72 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 535934630 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 530759968 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 46 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 531207252 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 |  |  |  | XXX |  |  |  | Yes | No | 45 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 559389242 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 24 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 564809089 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | 0 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 578281726 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 181 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 552229136 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 570251227 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No |  | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 530578752 | XXXXX | 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 | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 569129073 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 |  |  |  | XXX | XXX |  |  | Yes | No | 144 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 512244589 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 509638285 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 72 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 560370051 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 575486625 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 559945138 | XXXXX | 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 | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 502958122 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 562223533 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 597319354 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 204 | No |  | 0 | 0 | No |  | 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 | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 562525663 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 80 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 574687231 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No |  | 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 | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 00 | Warrantable | XXX | XXX |
| 591382447 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 543878225 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 72 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 502390278 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | No |  |  |  |  |  |  |  | XXX | Third-Party Prepared (Unaudited) | XXX | Yes | No | 48 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 546219730 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 544388729 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 566834942 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 561123430 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 60 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 523436158 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 52 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 553606906 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 15 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 593195193 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | 24 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 580804173 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 60 | No |  | 0 | 0 | No |  | 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 |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 509660762 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 551196995 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 549598122 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | 84 | No |  | 0 | 0 | No |  | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 547803237 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 |  |  |  | XXX | XXX |  |  | Yes | No | 24 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 574036651 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 |  |  |  | XXX | XXX |  |  | Yes | No | 24 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 516837449 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | 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 |  |  |  | Yes | No | 20 | No |  | 0 | 2 | No |  | 1 | 1 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 502167167 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 552763304 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 506129395 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  |  |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 594513396 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 551494334 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No |  | 1 | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 545322117 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 26 | 1 | 0 | No |  | 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 | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 513293343 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 597714595 | XXXXX | 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 | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 543959800 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 577887793 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 60 | No |  | 0 | 0 | No |  | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 548611990 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 156 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 587434647 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 39 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 531432985 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 577106186 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 135 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 591012936 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | 120 | No |  | 0 | 0 | No |  | 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 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 524361768 | XXXXX | 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 | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 546880306 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 517810668 | XXXXX | 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 | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 534034782 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | 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 | 210 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 570525095 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 24 | No |  | 0 | 0 | No |  | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 561336037 | XXXXX |  | 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 | Conventional | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 545262125 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 ARM IO |  | Yes | XXX | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | null | 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 Regular | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |

---

## Exhibit 99.33

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.33**

<br> ---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 536783959 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Per desk review |
| 538643763 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD |
| 528888665 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 535934630 | XXXXX | Qualifying FICO | XXX | XXX | Per credit docs |
| 535934630 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 564809089 | XXXXX | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 578281726 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD |
| 570251227 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 570251227 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident cardd |
| 530578752 | XXXXX | MIN No | XXX | XXX | Min Number verified from Deed of Trust in file. |
| 530578752 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | verified. |
| 569129073 | XXXXX | Qualifying FICO | XXX | XXX | Guidelines require the qualifying credit score to be the primary wage earner's score. |
| 575486625 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident ID Card |
| 502958122 | XXXXX | Calculated DSCR | XXX | XXX | Audit used a higher hazard insurance payment for the subject property. The First Payment Letter on p811 shows the lender used $XXX and the HOI policy on p505 shows the payment was $XXX |
| 562525663 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 574687231 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 591382447 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD |
| 543878225 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per CD |
| 543878225 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 544388729 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per residency docs in file |
| 566834942 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per Final CD |
| 523436158 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per XXX card |
| 523436158 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 553606906 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 553606906 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Per appraisal review |
| 593195193 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Debts verified. |
| 551196995 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per final CD |
| 516837449 | XXXXX | Qualifying Interest Rate | XXX | XXX | Due to the , fully indexed rate |
| 506129395 | XXXXX | Lock Term (Days) | XXX | XXX | Per Lock Form |
| 594513396 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Debts verified. |
| 551494334 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 513293343 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per CD |
| 513293343 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Per appraisal |
| 577887793 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 531432985 | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Appraised value verified. |
| 591012936 | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 546880306 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Per Final CD |
| 570525095 | XXXXX | Cash out Include Debt Paid at Close | $XXX | $XXX | Audit data includes the non-purchase money 2nd lien payoff |
| 545262125 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |  |

---

## Exhibit 99.34

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.34**

![](ex9934001.jpg)

Executive Summary <br> GCAT 2025-NQM4

&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **Type of Assets.** 

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by one Seller and acquired directly (or indirectly) by Blue River Mortgage V LLC through Reliance Letters. The loan reviews were conducted from November 2024 through May 2025.

&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Number of Assets.** 

There are 78 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **Review Process.** 

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans-U.S. And Canada Supplement, Feb 21, 2025  |

---

The post-closing review included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Sample size of the assets reviewed.** 

The due diligence review was conducted on 100% of the loan population and consisted of 78 mortgage loans with an aggregate original principal balance of approximately $42,637,336. The mortgage loans originated from October 2024 through May 2025 by 29 correspondent Sellers.

&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Asset Review** 

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below,

Page 1 of 11

including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines.

Page 2 of 11

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

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

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

**Compliance Review Methodology**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's)

Page 3 of 11

and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

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

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative
 Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest
 Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon
 Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan
 Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points
 and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The
 Qualified Mortgage DTI Threshold test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR
 threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points
 and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment
 penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is
 Not a High-Costs Mortgage.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced
 Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced
 mortgage loan required escrow account test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA
 finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA
 APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual
 Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan
 originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA
 Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA
 Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial
 loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial
 loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written
 list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid
 or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised
 loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised
 loan estimate lender credits test.

Page 4 of 11

Initial Closing Disclosure Timing Requirements

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

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid
 or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial
 closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial
 closing disclosure lender credits test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR
 Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised
 Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised
 closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid
 or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised
 closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised
 closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised
 closing disclosure lender credits test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges
 that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender
 credits that cannot decrease test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges
 that can have an unlimited increase test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership
 counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good
 Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA
 "Your Credit or Charge" (802) Disallowed Credit and Charge test.

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

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 3.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

Page 5 of 11

*<u>Qualified Mortgage</u>* 

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories: (i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Loans in the population were reviewed to the new General QM requirements.

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

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;53 | &nbsp;&nbsp;&nbsp;67.95% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25 | &nbsp;&nbsp;&nbsp;32.05% |

---

**Document Review** 

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

---

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

---

Page 6 of 11

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;● Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;● Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;● Note. |
| &nbsp;&nbsp;&nbsp;● Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;● Sales contract. |
| &nbsp;&nbsp;&nbsp;● Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;● Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;● Written List of Service Providers. |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Tape Data Compare** 

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;LTV | &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;&nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;&nbsp;&nbsp;Property City |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 78 mortgage loans reviewed, thirty-four unique mortgage loans had a tape discrepancy across 20 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data were not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;65 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13 | 78 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;76 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 78 |
| &nbsp;&nbsp;**DSCR\*** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;62 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16 | 78 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;69 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 78 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;77 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 78 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;76 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 78 |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;76 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 78 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;77 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 78 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;77 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 78 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;77 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 78 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;78 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 78 |

---

Page 7 of 11

<u>\* Tape data was not available.</u> <br>

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 82.05% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;64 | 82.05% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14 | 17.95% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "B" or higher and 98.72% of the mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;77 | 98.72% |
| B | 1 | 1.28% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "B" or higher and 97.44% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;76 | 97.44% |
| B | 2 | 2.56% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 79.49% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;62 | 79.49% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16 | 20.51% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

Page 8 of 11

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

&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Pool Stratification Summary** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;78 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;78 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21 | 26.92% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;53 | 67.95% |
| &nbsp;&nbsp;**Second Home** | 4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47 | 60.26% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25 | 32.05% |
| &nbsp;&nbsp;**Rate Term Refi** | 6 | 7.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29 | 37.18% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19 | 24.36% |
| &nbsp;&nbsp;**Condo** | 8 | 10.26% |
| &nbsp;&nbsp;**2-4 Family** | 21 | 26.92% |
| &nbsp;&nbsp;**Co-op** | 1 | 1.28% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 0 | 9.09% |
| &nbsp;&nbsp;**10%-19.99%** | 6 | 12.12% |
| &nbsp;&nbsp;**20%-29.99%** | 2 | 24.24% |
| &nbsp;&nbsp;**30%-39.99%** | 7 | 18.18% |
| &nbsp;&nbsp;**40%-49.99%** | 18 | 36.36% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **33** | **100.00%** |
| **Forty-five loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Forty-five loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Forty-five loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

Page 9 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.1999** | 0 | 0.00% |
| **0.2-0.3999** | 0 | 0.00% |
| **0.4-0.5999** | 0 | 0.00% |
| **0.6-0.7999** | 0 | 0.00% |
| **0.8-.9999** | 0 | 0.00% |
| **1-1.1999** | 26 | 57.78% |
| **1.2-1.3999** | 6 | 13.33% |
| **1.4-1.5999** | 6 | 13.33% |
| **1.6-1.7999** | 5 | 11.11% |
| **1.8-1.9999** | 2 | 4.44% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **45** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 1 | 1.28% |
| &nbsp;&nbsp;**30%-39.99%** | 2 | 2.56% |
| &nbsp;&nbsp;**40%-49.99%** | 3 | 3.85% |
| &nbsp;&nbsp;**50%-59.99%** | 3 | 3.85% |
| &nbsp;&nbsp;**60%-69.99%** | 9 | 11.54% |
| &nbsp;&nbsp;**70%-79.99%** | 29 | 37.18% |
| &nbsp;&nbsp;**80%-89.99%** | 31 | 39.74% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**78** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **AZ** | 2 | 2.56% |
| **CA** | 15 | 19.23% |
| **DC** | 1 | 1.28% |
| **FL** | 14 | 17.95% |
| **GA** | 1 | 1.28% |
| **IL** | 1 | 1.28% |
| **LA** | 1 | 1.28% |
| **MA** | 2 | 2.56% |
| **MI** | 2 | 2.56% |
| **MT** | 1 | 1.28% |
| **NJ** | 5 | 6.41% |
| **NV** | 3 | 3.85% |
| **NY** | 4 | 5.13% |
| **OH** | 7 | 8.97% |
| **PA** | 1 | 1.28% |
| **SC** | 4 | 5.13% |
| **TN** | 2 | 2.56% |

---

Page 10 of 11

---

| | | |
|:---|:---|:---|
| **TX** | 1 | 1.28% |
| **UT** | 2 | 2.56% |
| **VA** | 3 | 3.85% |
| **WA** | 4 | 5.13% |
| **WI** | 2 | 2.56% |
| &nbsp;&nbsp;**Total** | **78** | **100.00%** |

---

Page 11 of 11

## Exhibit 99.35

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.35**

---

| |
|:---|
| ![](covius.jpg) |
| **ATR QM Data Fields** |
| *Loans in Report: 78* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXX | 501722843 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 518911748 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 537905763 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 582608030 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 515487522 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 512072206 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 535900285 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 594319063 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 500176214 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 565854086 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 568909945 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 508600165 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 533961567 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 541331909 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 534170186 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 575253130 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 579712027 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 541139320 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 522154855 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 567717030 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 580209543 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 586705258 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 596555442 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 573416145 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 539031031 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 538676346 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 512237514 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 539825631 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 579416514 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 507812064 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 598204490 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 564025024 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 504279449 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 559920392 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 576457662 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 596423150 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 567287358 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 544094525 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 517239382 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 530245704 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 514447703 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 576411235 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 525992703 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 536037284 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 548953481 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 535378900 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 591900914 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 565782205 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 532205593 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 537273871 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 578116884 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 574190420 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 537119629 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 532788105 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 530173518 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 522544300 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 539993011 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 540337259 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 570425299 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 507567722 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 586821899 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 508153143 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 585328869 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 547105878 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 555807185 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 554149494 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 552000413 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 574197920 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 506753168 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 533775424 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 542403897 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 514647716 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 556845494 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 549193941 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 585950905 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 585460834 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 584503147 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 586916539 | Not covered/exempt | No | No |
| **78** |  |  |  |  |

---

## Exhibit 99.36

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.36**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 565854086 | 49.24 | 41.15 | DTI | -8.09 | Yes |
| XXXXXXXXXX | 570425299 | 26.94 | 40.6 | DTI | 13.66 | Yes |
| XXXXXXXXXX | 532788105 | 39.19 | 42.32 | DTI | 3.13 | Yes |
| XXXXXXXXXX | 530173518 | 6.12 | 13.13 | DTI | 7.01 | Yes |
| XXXXXXXXXX | 539825631 | 39.05 | 47.71 | DTI | 8.66 | Yes |
| XXXXXXXXXX | 567287358 | 41.07 | 44.25 | DTI | 3.18 | Yes |
| XXXXXXXXXX | 544094525 | 33.77 | 42.5 | DTI | 8.73 | Yes |
| XXXXXXXXXX | 541139320 | 15.77 | 28.15 | DTI | 12.38 | Yes |
| XXXXXXXXXX | 532205593 | 49.63 | 46.61 | DTI | -3.02 | Yes |
| XXXXXXXXXX | 535378900 | 48.83 | 44.47 | DTI | -4.36 | Yes |
| XXXXXXXXXX | 518911748 | 46.733 | 10.43 | DTI | -36.303 | Yes |
| XXXXXXXXXX | 547105878 | 7 | 14.7 | DTI | 7.7 | Yes |
| XXXXXXXXXX | 555807185 | 34.5 | 43.26 | DTI | 8.76 | Yes |
| XXXXXXXXXX | 549193941 | 29.5 | 35.78 | DTI | 6.28 | Yes |
| XXXXXXXXXX | 586916539 | 43.14 | 47.49 | DTI | 4.35 | Yes |
| XXXXXXXXXX | 542403897 | 29.26 | 33.45 | DTI | 4.19 | Yes |
| XXXXXXXXXX | 586821899 | 22.22 | 23.5294 | LTV | 1.3094 | Yes |
| XXXXXXXXXX | 537273871 | 67.39 | 70 | LTV | 2.61 | Yes |
| XXXXXXXXXX | 586821899 | 22.22 | 23.5294 | CLTV | 1.3094 | Yes |
| XXXXXXXXXX | 537273871 | 67.39 | 70 | CLTV | 2.61 | Yes |
| XXXXXXXXXX | 537273871 | XXXXXXX | XXXXXXX | Original Balance | XXXXXXX | Yes |
| XXXXXXXXXX | 547105878 | XXXXXXX | XXXXXXX | Original Balance | XXXXXXX | Yes |
| XXXXXXXXXX | 570425299 | XXXXXXX | XXXXXXX | P&I Payment | XXXXXXX | Yes |
| XXXXXXXXXX | 547105878 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 586821899 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 579416514 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 565854086 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 567287358 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 504279449 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 596423150 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 565782205 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 518911748 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 541331909 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 508600165 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 532205593 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 554149494 | XXXXXXX | XXXXXXX | Appraised Value | XXXXXXX | Yes |
| XXXXXXXXXX | 539031031 | XXXXXXX | XXXXXXX | Interest Rate | XXXXXXX | Yes |
| XXXXXXXXXX | 584503147 | 774 | 787 | FICO | 13 | Yes |
| XXXXXXXXXX | 532788105 | 797 | 798 | FICO | 1 | Yes |
| XXXXXXXXXX | 522544300 | 759 | 675 | FICO | -84 | Yes |
| XXXXXXXXXX | 538676346 | 796 | 792 | FICO | -4 | Yes |
| XXXXXXXXXX | 514447703 | 740 | 754 | FICO | 14 | Yes |
| XXXXXXXXXX | 578116884 | 740 | 745 | FICO | 5 | Yes |
| XXXXXXXXXX | 501722843 | 796 | 805 | FICO | 9 | Yes |
| XXXXXXXXXX | 515487522 | 725 | 730 | FICO | 5 | Yes |
| XXXXXXXXXX | 547105878 | 787 | 790 | FICO | 3 | Yes |
| XXXXXXXXXX | 565854086 | XXXXXXX | XXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | 500176214 | XXXXXXX | XXXXXXX | Property Zip | Yes | Yes |

---

## Exhibit 99.37

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.37**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** | **Rating Agency Exceptions Report: 7/10/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXX | 565854086 | NJ | Purchase | Owner Occupied | Single Family Detached | 41.15 |  | 660 | 69.57% | XXXXXXXXXX | 300751 | Credit | Income - Self Employment | According to the guidelines, NSFs should be covered with deposits shortly after they are incurred and no more than XXXX in the most recent 12 months. | Exception for excessive NSF's approved by XXXX and in file. | Months Of Reserves - XXXX, LTV - 69.57% | Client Accepted D B | 2 |
| XXXXXXXXXX | 565854086 | NJ | Purchase | Owner Occupied | Single Family Detached | 41.15 |  | 660 | 69.57% | XXXXXXXXXX | 300754 | Credit | Title Commitment | The Title Report/ Commitment is missing from the loan file. | 04/09/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 565854086 | NJ | Purchase | Owner Occupied | Single Family Detached | 41.15 |  | 660 | 69.57% | XXXXXXXXXX | 300780 | Credit | Borrower Eligibilty | Per guidelines a relationship letter between buyer and seller is required for non-arm's length transactions. The relationship letter is missing from the loan file. | 04/09/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 565854086 | NJ | Purchase | Owner Occupied | Single Family Detached | 41.15 |  | 660 | 69.57% | XXXXXXXXXX | 300781 | Credit | 1008 | Provide an updated 1008 reflecting the correct income/ DTI to match the AUS findings. | 04/09/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301163 | Credit | Income | The Business Bank Statement from XXXX #XXXX for XXXX is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301164 | Credit | Income | The taxes and insurance for investment property XXXX., is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301165 | Credit | Income | The Business Bank Statement fromXXXX for XXXX is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301166 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301167 | Credit | Credit - Eligiblity | An internet search for the business XXXX., is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301168 | Credit | Credit - Eligiblity | An internet search for the business XXXX., is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301169 | Credit | Employment | Loan closed in the name of a corporation, XXXX; however, a Personal Guaranty signed by the borrower is missing from the loan file. | 5/3/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 539825631 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 47.71 |  | 769 | 80.00% | XXXXXXXXXX | 301170 | Credit | Closing Disclosure | Page 5 of the final Closing Disclosure is missing from the loan file. | 04/28/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 579416514 | DC | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0098 | 768 | 70.00% | XXXXXXXXXX | 300740 | Credit | Property Type - Eligibility | The subject property has a square footage of XXXX sq ft and does not meet the guidelines requirement of XXXX sq ft. | Exception for being below the minimum square footage approved by XXXX and in file. | Credit Score - 768, LTV - 70%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXXX | 579416514 | DC | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0098 | 768 | 70.00% | XXXXXXXXXX | 300744 | Credit | Note | Per the lock the loan has a XXXX year PPP, however, no PPP was included with the DOT or Note. | 4/17: The Prepayment Addendum reflects a PPP charge of XXXX months' advance interest which does not conform with the XXXX program requirements of either XXXX months advance interest on the amount prepaid that exceeds XXXX% of the original balance of the note or a XXXX% flat rate.<br> 04/28/25: An exception was approved for the guideline deviation. | Credit Score - 768, LTV - 70%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXXX | 504279449 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0046 | 785 | 70.00% | XXXXXXXXXX | 301081 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 05/01/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 559920392 | NJ | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0973 | 721 | 80.00% | XXXXXXXXXX | 301015 | Credit | VOM | Borrower purchased primary residence on XXXX, providing VOM for only XXXX months and previously rented but paid cash only and cannot provide proof of payment via cancelled checks, VOR, or bank debits. Borrower cannot provide XXXX months VOM required per guidelines. | Exception for private VOR for prior residence approved by XXXX and in file. | Credit Score - 721, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXXX | 576457662 | PA | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.4531 | 791 | 80.00% | XXXXXXXXXX | 300897 | Credit | Hazard Insurance | The hazard insurance policy does not show rent loss coverage and unable to determine if it is a landlord policy. The policy shows loss of use coverage but has no personal property coverage. | 4/17: "Loss of Use" coverage is insufficient to verify six months of rent loss coverage. Provide verification that the policy contains rent loss coverage. 04/24/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 576457662 | PA | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.4531 | 791 | 80.00% | XXXXXXXXXX | 300899 | Credit | Credit | The loan file does not contain XXXX payoff as shown on HUD. | 04/17/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 567287358 | TN | Purchase | Owner Occupied | PUD | 44.25 |  | 728 | 80.00% | XXXXXXXXXX | 300930 | Credit | Hazard Insurance | Provide a legible evidence of homeowners insurance for the property located at XXXX. | 04/16/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 567287358 | TN | Purchase | Owner Occupied | PUD | 44.25 |  | 728 | 80.00% | XXXXXXXXXX | 300931 | Credit | Credit | Per LoanSafe Fraud Manager, the property located at XXXX had a loan opened XXXX for $XXXX. Provide documentation of the PI for the loan or evidence if the loan has been paid off. | 04/16/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 567287358 | TN | Purchase | Owner Occupied | PUD | 44.25 |  | 728 | 80.00% | XXXXXXXXXX | 300941 | Compliance | Other | This loan failed the revised closing disclosure delivery date test (no waiting period required). Revised CD XXXX does not have a receipt date. | 4/16/2025: Seller verified the unsigned CD was sent post closing. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 567287358 | TN | Purchase | Owner Occupied | PUD | 44.25 |  | 728 | 80.00% | XXXXXXXXXX | 300942 | Compliance | Other | The Reimbursement is $XXXX and the Tolerance is $XXXX, a difference of $XXXX. | 4/16: rounding |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 544094525 | AZ | Refi - Cash Out | Owner Occupied | PUD | 42.5 |  | 767 | 79.84% | XXXXXXXXXX | 300968 | Credit | Eligibilty | The final Amortization Schedule is missing from the loan file. | 05/01/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 525992703 | CA | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.7611 | 751 | 44.25% | XXXXXXXXXX | 301140 | Credit | Final 1003 | The Final 1003 is missing from the loan file. | 4/24/2025: XXXX ok with the application not being signed as the loan is XXXX. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 525992703 | CA | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.7611 | 751 | 44.25% | XXXXXXXXXX | 301141 | Property | Appraisal | Subject property unit XXXX is XXXX square feet and XXXX. | Exception for XXXXunit being XXXX sf and XXXX approved by XXXX and in file. | LTV - 44.25% LTV is low. , Months Of Reserves - XXXX | Client Accepted D B | 2 |
| XXXXXXXXXX | 536037284 | VA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0026 | 620 | 62.09% | XXXXXXXXXX | 301049 | Credit | Final 1003 | The final 1003 is missing from the loan file. | 4/24: Need the final signed 1003 dated XXXX<br> 4/24/2025: Business Purpose loan, N/A |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 591900914 | NV | Purchase | Non-Owner Occupied | PUD | 0 | 1.021 | 789 | 56.52% | XXXXXXXXXX | 301218 | Credit | Underwriting Condition Not Met | The final amortization schedule was not found in the file. | 4/24/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 591900914 | NV | Purchase | Non-Owner Occupied | PUD | 0 | 1.021 | 789 | 56.52% | XXXXXXXXXX | 301219 | Credit | Closing Disclosure | Provide a copy of the final, signed HUD-1/Closing Disclosure. HUD-1 in file is an estimated copy. | 4/24/2025: Settlement statement was not dated. Unable to determine if its the final. <br> 04/29/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 591900914 | NV | Purchase | Non-Owner Occupied | PUD | 0 | 1.021 | 789 | 56.52% | XXXXXXXXXX | 301220 | Credit | Power of Attorney | The power of attorney in the file is a uniform statutory form power of attorney; however, the guidelines indicate a limited power of Attorney is required. | The file included a waiver dated XXXX for the use of non-specific POA | Credit Score - Borrower has a 789 credit score, Months Of Reserves - Borrower has XXXX months of reserves. | Client Accepted D B | 2 |
| XXXXXXXXXX | 591900914 | NV | Purchase | Non-Owner Occupied | PUD | 0 | 1.021 | 789 | 56.52% | XXXXXXXXXX | 301221 | Credit | Borrower Eligibilty | The closing documents were signed by a POA. An LOE from borrower regarding why a POA is needed was not found in the file. | 4/24/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 565782205 | LA | Purchase | Owner Occupied | PUD | 17.91 |  | 728 | 80.00% | XXXXXXXXXX | 301239 | Credit | Program Eligibilty | Per guidelines borrowers retaining their departing residence with no investment experience requires preapproval. | Preapproval for retaining departing residence as an investment approved by XXXX and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 537273871 | VA | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0282 | 790 | 70.00% | XXXXXXXXXX | 301179 | Credit | Final 1003 | The final 1003 is missing from the loan file. | 4/30: XXXX has agreed to clear. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 537273871 | VA | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0282 | 790 | 70.00% | XXXXXXXXXX | 301181 | Credit | Occupancy | Lender to provide explanation as to why the appraisal states the subject property is owner occupied. Additional exceptions may apply upon review. | 04/30/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 537119629 | WA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.0064 | 690 | 70.00% | XXXXXXXXXX | 300828 | Credit | Property Type - Eligibility | Per guidelines, the minimum square footage is XXXX sq ft per unit and unit 1 is XXXX sq ft. | 04/21/25: An exception was approved for the guideline deviation. | Prior Mortgage History - No Delinquencies in Mortgage History detailed housing history e.i XXXX | Client Accepted B | 2 |
| XXXXXXXXXX | 537119629 | WA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.0064 | 690 | 70.00% | XXXXXXXXXX | 300829 | Property | Appraisal | Provide a comment from the appraiser on lack of location adjustment for adjacent auto business next door and any environmental impact on subject property. | 4/24/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 537119629 | WA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.0064 | 690 | 70.00% | XXXXXXXXXX | 300832 | Credit | Debt Service Coverage Ratio | Audit calculated DSCR of .93 is less than the minimum DSCR of 1.0 for a cash-out refi. The lender used water and sewer charges and animal fees on top of the base monthly rent in DSCR calculation. Per XXXX, only the base rent can be used in DSCR calculation. | 4/21: XXXX approved including water/sewer charges in the DSCR calculation. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 532788105 | AZ | Purchase | Owner Occupied | Single Family Detached | 42.32 |  | 798 | 80.00% | XXXXXXXXXX | 301105 | Credit | Credit | The loan included evidence of a tax bill for XXXX owed to the Federal Government in the amount of XXXX with XXXXthat should have been paid prior to the closing of the loan. Provide evidence this obligation was paid and is current. | 04/29/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 530173518 | UT | Purchase | Non-Owner Occupied | Single Family Detached | 13.13 |  | 774 | 75.00% | XXXXXXXXXX | 301177 | Credit | Employment | A signed business narrative including details regarding the industry, size and operating profile of the business addressing location, rent, number of employees and physical assets, is missing from the loan file. | 04/29/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 540337259 | CA | Purchase | Second Home | Condo Attached | 17.48 |  | 771 | 80.00% | XXXXXXXXXX | 301022 | Credit | Borrower Eligibilty | Per guidelines gift funds on XXXX homes are ineligible. Borrower received XXXX gifts from fiance in the amounts of $XXXX and $XXXX | Exception to use gift funds on a 2nd home purchase approved by XXXX and in file. | DTI - 17.48% , Months Of Reserves - XXXX, Credit Score - 771 | Client Accepted B | 2 |
| XXXXXXXXXX | 540337259 | CA | Purchase | Second Home | Condo Attached | 17.48 |  | 771 | 80.00% | XXXXXXXXXX | 301023 | Credit | Occupancy | The Occupancy Certification disclosure is missing from the loan file. | 04/23/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 540337259 | CA | Purchase | Second Home | Condo Attached | 17.48 |  | 771 | 80.00% | XXXXXXXXXX | 301024 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 05/01/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 296806 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 1/2/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 296833 | Credit | Asset Verification | Earnest money deposits in the amount of $XXXX and $XXXX came from XXXX; account holders are XXXX and XXXX. Provide relationship letter to the borrower and gift letter if applicable. Additional exceptions may apply upon review. | 1/6/2025: Rebuttal provided to satisfy. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 296834 | Credit | Asset Verification | Per guidelines XXXX months reserves are required for an 80% LTV purchase. Borrower has XXXX months verified. Provide additional assets to cover a full XXXX months of reserves post-close. | 1/8/2025: An exception dated XXXXwas provided allowing the reserves. | Credit Score - 757, Prior Mortgage History - Borrower has owned primary residence since XXXX with XXXX late payments. | Client Accepted B | 2 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 297652 | Credit | Note | P&I payment on the Note reflects the interest only payment but the Note type shows fixed rate. Provide a revised Note reflecting interest only. | 2/5/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 596555442 | NY | Refi - Cash Out | Owner Occupied | Co Op | 34.75 |  | 749 | 80.00% | XXXXXXXXXX | 300299 | Credit | Title | The Title Commitment/ Title Search is missing from the loan file. | 3/19/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 596555442 | NY | Refi - Cash Out | Owner Occupied | Co Op | 34.75 |  | 749 | 80.00% | XXXXXXXXXX | 300300 | Credit | Eligibilty | The final Amortization Schedule is missing from the loan file. | 3/19/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 596555442 | NY | Refi - Cash Out | Owner Occupied | Co Op | 34.75 |  | 749 | 80.00% | XXXXXXXXXX | 300301 | Property | Appraisal | A third party review from an XXXX approved vendor is missing from the loan file. | 3/19/2025: Post consummation CDA provided to cure. |  | Cleared Exception B | 2 |
| XXXXXXXXXX | 501722843 | FL | Purchase | Non-Owner Occupied | Condo Attached | 35.42 |  | 805 | 75.00% | XXXXXXXXXX | 297132 | Credit | Final 1003 | Provide the Final 1003 wet signed by both borrowers. | 1/4: Need the Final 1003 wet signed by both borrowers. Preliminary CD docusigned was provided.<br> 1/13/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 501722843 | FL | Purchase | Non-Owner Occupied | Condo Attached | 35.42 |  | 805 | 75.00% | XXXXXXXXXX | 297210 | Credit | Income - Self Employment | Subject loan closed on XXXX. Provide the borrowers' XXXX personal tax return including all Schedules. DTI is pending. | 01/03/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 518911748 | FL | Purchase | Owner Occupied | PUD | 10.43 |  | 799 | 80.00% | XXXXXXXXXX | 293583 | Credit | Credit | Credit supplement dated XXXX shows XXXX mortgage late with First Farmers XXXX; provide evidence of late payment date and if it was within the past XXXX months; additional exceptions may apply upon review. | 2.3 XXXX approved exception. 1/28/25 - Please request exception from XXXX. 11/14/2024: The Mtg history shows the June payment was made on XXXXwhich yielded a XXXX <br> 12/23/2024: The statements provided does not negate the fact that the Mtg history in file reflects a XXXX. An exception from XXXX is required to cure. | DTI - 10.43% DTI, Months Of Reserves - XXXX months reserves, Credit Score - 799 score | Client Accepted B | 2 |
| XXXXXXXXXX | 518911748 | FL | Purchase | Owner Occupied | PUD | 10.43 |  | 799 | 80.00% | XXXXXXXXXX | 293584 | Credit | Program Eligibilty | Per guidelines borrowers with no investment properties retaining their departing residence as a rental require preapproval. Preapproval is missing from the loan file. | 11/14/2024: An exception dated XXXX was provided for borrower to use rental income for the departing residence. | DTI - 10.43% DTI, Months Of Reserves - XXXX months reserves, Credit Score - 799 score | Client Accepted B | 2 |
| XXXXXXXXXX | 537905763 | TN | Purchase | Non-Owner Occupied | PUD | 0 | 1.28 | 760 | 75.00% | XXXXXXXXXX | 294628 | Credit | Program Eligibilty | Property rental income is based on XXXX; provide evidence borrower has at least XXXX yr experience operating a XXXX otherwise the LTV is limited to 70%. Additional exceptions may apply upon review. | 12/11: XXXX report for subject was provided but need evidence borrower has at least XXXX yr experience operating a XXXX.<br> 12/16: Documentation provided is insufficient to verify borrower has at least XXXX yr experience operating a XXXX. If this can' be provided, an XXXX approved exception will be required for the 5% LTV exception.<br> 12/23/2024: The document provided is a screenshot of the listing for the property which does not verify the borrower has at least XXXX year history of owning a XXXX. 1/9: Need documentation verifying the property has been a XXXX for at least XXXX year.<br> 1/29/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 582608030 | CA | Purchase | Owner Occupied | Single Family Detached | 40.98 |  | 779 | 80.00% | XXXXXXXXXX | 296167 | Credit | Income - Self Employment | Provide all pages of business bank statements from XXXX from XXXX - XXXX used to calculate income. Only first two pages of each statement are included in the loan file. | 01/21/2025 - the XXXX business account was used for qualifying income ($XXXX) - this is why the complete bank statements are needed. 02/26/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 582608030 | CA | Purchase | Owner Occupied | Single Family Detached | 40.98 |  | 779 | 80.00% | XXXXXXXXXX | 296168 | Credit | Warranty Deed / Quit Claim Deed | A copy of the Warranty/ Grant Deed is missing from the loan file. | 12/19/24: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 582608030 | CA | Purchase | Owner Occupied | Single Family Detached | 40.98 |  | 779 | 80.00% | XXXXXXXXXX | 296170 | Credit | Eligibilty | A copy of the Occupancy Certification Disclosure is missing from the loan file. | 12/19/24: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 582608030 | CA | Purchase | Owner Occupied | Single Family Detached | 40.98 |  | 779 | 80.00% | XXXXXXXXXX | 296172 | Compliance | Other | This loan failed the charges that cannot increase test. XXXX Review Fee was added on Initial CD XXXXfor $XXXX. A change of circumstance was in the file dated XXXX but the Investor XXXX was not included. | 12/19/24: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 582608030 | CA | Purchase | Owner Occupied | Single Family Detached | 40.98 |  | 779 | 80.00% | XXXXXXXXXX | 299899 | Property | Appraisal | The subject property county is located in a FEMA declared disaster area. Provide a post-disaster inspection report for the property. | 3/7/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 515487522 | FL | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 47.59 |  | 730 | 75.00% | XXXXXXXXXX | 297402 | Credit | Property Type - Eligibility | The subject property is a condominium property, however, a condo questionnaire was not provided in the loan file. | 1/12/2025: Warrantable condo certified by FNMA verified. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 515487522 | FL | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 47.59 |  | 730 | 75.00% | XXXXXXXXXX | 297458 | Credit | Income | The 4506-C Tax Transcripts are missing from the loan file. | 1/23/25 - Lender requested exception. Pending approval. 1/15/2025: Transcript from XXXX provided. Missing XXXX. The loan was locked as Full Doc and Full Doc requires 2 years verification of income. <br> 1/24/2025: XXXX has denied the loan as 2 years transcripts are required on all full doc loans. <br> 03/05/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 296806 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 1/2/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 296833 | Credit | Asset Verification | Earnest money deposits in the amount of $XXXX and $XXXX came from XXXX; account holders are XXXX and XXXX. Provide relationship letter to the borrower and gift letter if applicable. Additional exceptions may apply upon review. | 1/6/2025: Rebuttal provided to satisfy. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 296834 | Credit | Asset Verification | Per guidelines XXXX months reserves are required for an 80% LTV purchase. Borrower has XXXX months verified. Provide additional assets to cover a full XXXX months of reserves post-close. | 1/8/2025: An exception dated XXXX was provided allowing the reserves. | Credit Score - 757, Prior Mortgage History - Borrower has owned primary residence since XXXX with XXXX late payments. | Client Accepted B | 2 |
| XXXXXXXXXX | 512072206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 1.013 | 757 | 80.00% | XXXXXXXXXX | 297652 | Credit | Note | P&I payment on the Note reflects the interest only payment but the Note type shows fixed rate. Provide a revised Note reflecting interest only. | 2/5/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 535900285 | WI | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.2211 | 720 | 51.60% | XXXXXXXXXX | 300884 | Credit | Eligibilty | Subject Property was briefly listed for sale after the application date. The listing has been cancelled per documents in file. | Exception for property being listed for sale after application date approved by XXXX and in file. The loan maintains sufficient compensating factors to support the XXXX approval. | Credit Score - 720, LTV - 51.60%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXXX | 535900285 | WI | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.2211 | 720 | 51.60% | XXXXXXXXXX | 300903 | Credit | Program Eligibilty | Per guidelines the maximum bedroom count allowed is XXXX, subject property has XXXX bedrooms which exceeds the maximum amount. An exception for the guideline deviation is missing from the loan file. | 4/15/2025: An exception has been approved by XXXX with comp factors. | Credit Score - 720, LTV - 51.60%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXXX | 535900285 | WI | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.2211 | 720 | 51.60% | XXXXXXXXXX | 300904 | Credit | Rental Income | Provide verification that the subject property is currently listed for rent. | 4/15/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 594319063 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.4361 | 770 | 75.00% | XXXXXXXXXX | 300432 | Credit | Title Commitment | The Title Policy Amount of $XXXX is less than the Note amount of $XXXX based on the Commitment in file. | 3/27/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 594319063 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.4361 | 770 | 75.00% | XXXXXXXXXX | 300434 | Credit | Final 1003 | The final 1003 signed by all parties is missing from the loan file. | 3/27/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 594319063 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.4361 | 770 | 75.00% | XXXXXXXXXX | 300436 | Credit | Occupancy | The Occupancy Certification disclosure is missing from the loan file. | 3/27/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 500176214 | WI | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.5268 | 769 | 80.00% | XXXXXXXXXX | 300046 | Credit | Credit - Eligiblity | Borrower has no primary housing history. XXXX lives rent free with spouse and mortgage is in spouse's name only. | 03/06/25: A pre-approval was provided for the housing history. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 500176214 | WI | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.5268 | 769 | 80.00% | XXXXXXXXXX | 300099 | Credit | Note | The rate lock reflects a XXXX-month PPP but the PPP Addendum/Rider is missing from the file. | 3/27/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 533961567 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0361 | 752 | 75.00% | XXXXXXXXXX | 300590 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | Warranty deed included in the loan file. (pg 312) |  | Cleared Exception B A | 1 |
| XXXXXXXXXX | 541331909 | NY | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1618 | 733 | 70.00% | XXXXXXXXXX | 300679 | Credit | VOM | No open and active mortgages reporting on credit will require preapproval. | Exception for incomplete housing history approved by XXXX and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 541331909 | NY | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1618 | 733 | 70.00% | XXXXXXXXXX | 300696 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 4/4/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 575253130 | CA | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.0304 | 655 | 40.95% | XXXXXXXXXX | 300552 | Credit | HUD-1 | The Final executed HUD-1 is missing from the loan file. | 04/01/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 575253130 | CA | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.0304 | 655 | 40.95% | XXXXXXXXXX | 300553 | Credit | Credit - Eligiblity | The subject property is being vested in a Trust, however the Trust documentation is missing from the loan file. | 04/01/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 575253130 | CA | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.0304 | 655 | 40.95% | XXXXXXXXXX | 300554 | Credit | Credit - Eligiblity | The subject property is being reported as XXXX on the borrowers credit report, however the date the borrower was late is not reported in order to determine if an explanation is required. | 04/01/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 579712027 | SC | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.2976 | 799 | 70.00% | XXXXXXXXXX | 300536 | Credit | Credit | Housing history required for Primary and subject property refi, all borrowers must be current on mortgage or rent at loan application. In this case, Borrower lives with spouse rent free and owns several investment properties free and clear = NO housing history. The file includes an exception request form for this issue but does not indicate if it was granted or rejected. | 3/28/2025: XXXX approved the exception with comp factors. | Months Of Reserves - XXXX months reserves, Credit Score - 799 score | Client Accepted B | 2 |
| XXXXXXXXXX | 541139320 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 28.15 |  | 745 | 80.00% | XXXXXXXXXX | 300783 | Credit | Sales Contract | The sales contract is missing from the loan file. | 04/14/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 541139320 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 28.15 |  | 745 | 80.00% | XXXXXXXXXX | 300787 | Credit | Eligibilty | Provide reasonable explanation for the large discrepancy between the purchase price of $XXXX and appraisal value of $XXXX | 04/14/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 541139320 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 28.15 |  | 745 | 80.00% | XXXXXXXXXX | 300853 | Property | Appraisal | Appraisal states the transaction is non-arm's length but relationship letter in file from the borrower states he has no personal relationship with the seller. Lender to provide verification if the transaction is or is not non-arm's length. Additional exceptions may apply upon review. | 04/14/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 522154855 | OH | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0008 | 745 | 80.00% | XXXXXXXXXX | 300469 | Credit | Note / Deed of Trust / Mortgage | The final Amortization Schedule is missing from the loan file. | 3/27/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 522154855 | OH | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0008 | 745 | 80.00% | XXXXXXXXXX | 300470 | Credit | Condo/PUD | Provide UW attestation clearly stating whether the project is warrantable or non-warrantable must be delivered with the file (A comment on the 1008 suffices). The condo project review must be in accordance with the FNMA Seller Guide | 3/27/2025: None of the docs verified warrantability. Could you please verify whether this was underwritten as a warrantable or non warrantable condo.<br> 3/28/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 567717030 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.4372 | 742 | 41.67% | XXXXXXXXXX | 300480 | Credit | Eligibilty | The final Amortization Schedule is missing from the loan file. | 3/27/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 567717030 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.4372 | 742 | 41.67% | XXXXXXXXXX | 300548 | Credit | Program Eligibilty | The Certification of Occupancy Disclosure is missing from the loan file. | 3/27/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 586705258 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.017 | 680 | 75.00% | XXXXXXXXXX | 300613 | Credit | Asset Verification | Provide additional assets to cover funds to close and XXXX months reserves. Cash to close is $XXXX and only $XXXX has been verified. Borrower must have funds to close as well as XXXX months reserves post-closing. | 04/02/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 586705258 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.017 | 680 | 75.00% | XXXXXXXXXX | 300614 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 04/02/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 596555442 | NY | Refi - Cash Out | Owner Occupied | Co Op | 34.75 |  | 749 | 80.00% | XXXXXXXXXX | 300299 | Credit | Title | The Title Commitment/ Title Search is missing from the loan file. | 3/19/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 596555442 | NY | Refi - Cash Out | Owner Occupied | Co Op | 34.75 |  | 749 | 80.00% | XXXXXXXXXX | 300300 | Credit | Eligibilty | The final Amortization Schedule is missing from the loan file. | 3/19/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 596555442 | NY | Refi - Cash Out | Owner Occupied | Co Op | 34.75 |  | 749 | 80.00% | XXXXXXXXXX | 300301 | Property | Appraisal | A third party review from an XXXX approved vendor is missing from the loan file. | 3/19/2025: Post consummation CDA provided to cure. |  | Cleared Exception B | 2 |
| XXXXXXXXXX | 573416145 | FL | Rate Term Refi | Owner Occupied | PUD | 40.72 |  | 672 | 80.00% | XXXXXXXXXX | 300809 | Credit | Title Commitment | Provide a signed copy of the Quit Claim Deed transferring title from XXXX to XXXXi and XXXX | 04/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 538676346 | CA | Purchase | Owner Occupied | Single Family Detached | 28.78 |  | 792 | 70.00% | XXXXXXXXXX | 300388 | Credit | Credit - Eligiblity | All borrowers must be current on mortgage or rent at loan application. In this case, XXXX and XXXX sold a home XXXX that was in a Trust (XXXX), but the mortgage was in the XXXX name only. XXXX has been living rent free at XXXX house since it was sold and doesn't have any housing history to document for last XXXX-months | Exception for incomplete housing history approved by XXXX and in file. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 538676346 | CA | Purchase | Owner Occupied | Single Family Detached | 28.78 |  | 792 | 70.00% | XXXXXXXXXX | 300430 | Credit | Income | The profit and loss statement must be wet signed by both the borrower and tax preparer; P&L in file is signed electronically. | 03/24/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 564025024 | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.2133 | 721 | 75.00% | XXXXXXXXXX | 300598 | Credit | VOM | Borrowers mortgage history is XXXX. Borrower has requested two DSCR loans. Servicing transferred on loan that is XXXX. The exception request in the file does not indicate if this was approved or declined. | 4/4/2025: Mortgage history of XXXX meets the XXXX guidelines. No exception required. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 548953481 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0198 | 782 | 70.00% | XXXXXXXXXX | 300510 | Credit | VOM | According to the guidelines, no open and active mortgages reporting on credit will require a pre-approval. | Rent free exception approved by XXXX delegated and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 535378900 | FL | Purchase | Second Home | PUD | 44.47 |  | 797 | 83.85% | XXXXXXXXXX | 300910 | Credit | Borrower ID | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 04/15/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 532205593 | FL | Purchase | Owner Occupied | Condo Attached | 46.61 |  | 717 | 80.00% | XXXXXXXXXX | 300890 | Credit | Warranty Deed / Quit Claim Deed | Provide the Warranty Deed for the subject purchase. | 04/15/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 578116884 | OH | Purchase | Second Home | PUD | 31.49 |  | 745 | 80.00% | XXXXXXXXXX | 300870 | Credit | Eligibilty | The final Amortization Schedule is missing from the loan file. | 04/16/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 578116884 | OH | Purchase | Second Home | PUD | 31.49 |  | 745 | 80.00% | XXXXXXXXXX | 300871 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 04/16/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 578116884 | OH | Purchase | Second Home | PUD | 31.49 |  | 745 | 80.00% | XXXXXXXXXX | 300875 | Credit | Occupancy | The Occupancy Certification disclosure is missing from the loan file. | 04/16/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 578116884 | OH | Purchase | Second Home | PUD | 31.49 |  | 745 | 80.00% | XXXXXXXXXX | 300917 | Credit | Credit | Per guidelines each Borrower's credit profile must include a minimum of XXXX trade lines within the last XXXX months that show a XXXXmonth history, or a combined credit profile between Borrower and co-Borrower with a<br> minimum of XXXX) tradelines. Borrowers only have XXXX tradelines reporting > XXXX months combined. | Exception for tradeline requirement approved by XXXX and in file. | Months Of Reserves - XXXX months reeerves, DTI - 31.49%, Credit Score - 740 score | Client Accepted B | 2 |
| XXXXXXXXXX | 507567722 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0712 | 703 | 65.00% | XXXXXXXXXX | 300914 | Property | Appraisal | A 3rd party appraisal review from an XXXX approved vendor is missing from the loan file. | 04/16/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 586821899 | NY | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.7861 | 784 | 23.53% | XXXXXXXXXX | 301704 | Credit | VOM | Borrowers have no open and active mortgages reporting on initial credit report.  | Preapproval for incomplete housing history approved by XXXX and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 508153143 | IL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0068 | 763 | 79.99% | XXXXXXXXXX | 301517 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 05/12/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 508153143 | IL | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0068 | 763 | 79.99% | XXXXXXXXXX | 301524 | Credit | Debt Service Coverage Ratio | Audit calculated DSCR of .967 is below the minimum of 1.0 with an LTV of 80%. Provide an XXXX approved exception. | 5/12: XXXX has denied accepting the changed market rent from $XXXX to $XXXX.<br> 05/30/25: An exception was approved for the guideline deviation. | Credit Score - 763 qualifying score is 10+ points > requirement. | Client Accepted B | 2 |
| XXXXXXXXXX | 585328869 | GA | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.127 | 781 | 72.78% | XXXXXXXXXX | 301766 | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 05/30/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 585328869 | GA | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.127 | 781 | 72.78% | XXXXXXXXXX | 301767 | Credit | Credit - Eligiblity | No open and active mortgages reporting on credit will require a pre-approval. | 05/19/25: A pre-approval was provided for the housing history. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 547105878 | CA | Purchase | Owner Occupied | Single Family Detached | 14.7 |  | 790 | 80.00% | XXXXXXXXXX | 301160 | Credit | Income | The business narrative for XXXX. was not found in the file. | 04/24/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 547105878 | CA | Purchase | Owner Occupied | Single Family Detached | 14.7 |  | 790 | 80.00% | XXXXXXXXXX | 301161 | Credit | Deed of Trust / Mortgage | The Deed of Trust/Mortgage was not found in the file. | 04/24/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 554149494 | WA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1515 | 754 | 70.00% | XXXXXXXXXX | 301146 | Credit | Eligibilty | Missing Final Amortization Schedule from the loan file. | 04/29/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 554149494 | WA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1515 | 754 | 70.00% | XXXXXXXXXX | 301182 | Credit | Credit | Provide a current lease agreement for unit XXXX or proof the unit is listed for rent. | 04/29/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 554149494 | WA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1515 | 754 | 70.00% | XXXXXXXXXX | 301183 | Credit | 1008 | Per guidelines, XXXX is qualified and priced as a cash-out refinance. Provide a revised 1008 reflecting cash-out refi. | 05/01/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 554149494 | WA | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.1515 | 754 | 70.00% | XXXXXXXXXX | 301184 | Property | Appraisal | Appraisal was completed "Subject to Repairs". Provide Form 1004D verifying repairs completed. Form 1004D in file does not address repairs. | 04/29/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 574197920 | UT | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0074 | 719 | 60.00% | XXXXXXXXXX | 301268 | Credit | Final 1003 | Provide a copy of the signed, final 1003. | 4/30: XXXX has agreed to clear. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | 506753168 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2948 | 773 | 70.00% | XXXXXXXXXX | 301265 | Credit | Property Type - Eligibility | XXXX larger than the XXXX - recently built and listed for rent | Exception for XXXX being larger than XXXX approved at 70% by XXXX and in file. | Months Of Reserves - XXXX, Credit Score - 809 | Client Accepted B | 2 |
| XXXXXXXXXX | 533775424 | MI | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.8481 | 685 | 38.06% | XXXXXXXXXX | 301423 | Credit | VOM | XXXX primary residence in XXXX name only and owned free and clear. No opened and active mortgages showing on initial credit report. Credit Supplement was provided and verified XXXX months history for Subject. | The lock report generated onXXXX shows this condition is waived | Months Of Reserves - XXXX, Credit Score - 685 | Client Accepted B | 2 |
| XXXXXXXXXX | 542403897 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 33.45 |  | 694 | 68.53% | XXXXXXXXXX | 301011 | Credit | Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 4/24/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 556845494 | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4239 | 780 | 60.00% | XXXXXXXXXX | 300926 | Credit | Note | The Prepayment Addendum does not reflect the required prepayment penalty charge of XXXX) XXXX months advance interest on the amount prepaid that exceeds XXXX% of the original balance of the note or XXXX) XXXX%. | 5/15: XXXX has agreed to clear. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 556845494 | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4239 | 780 | 60.00% | XXXXXXXXXX | 300927 | Credit | VOM | Document housing history for subject property via XXXX months proof of payment via cancelled checks, bank debits or institutional VOM. | 4/16: Borrower inherited property in XXXX. Provide verification that the monthly payments have been made on time since inheritance and that the mortgage is current. 04/17/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 556845494 | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4239 | 780 | 60.00% | XXXXXXXXXX | 300928 | Credit | 1008 | Provide the lender loan approval. | 04/16/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 549193941 | WA | Purchase | Non-Owner Occupied | Two-Unit Property | 35.78 |  | 801 | 80.00% | XXXXXXXXXX | 301348 | Credit | Occupancy | The Occupancy Certification disclosure is missing from the loan file. | 5/4/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 585950905 | FL | Purchase | Second Home | PUD | 40.36 |  | 805 | 80.00% | XXXXXXXXXX | 301618 | Credit | Occupancy | The Occupancy Certification disclosure is missing from the loan file. | 5/18/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 585460834 | MT | Purchase | Owner Occupied | Condo Attached | 16.6 |  | 810 | 80.00% | XXXXXXXXXX | 301553 | Credit | Occupancy | The Occupancy Certification disclosure is missing from the loan file. | 05/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 585460834 | MT | Purchase | Owner Occupied | Condo Attached | 16.6 |  | 810 | 80.00% | XXXXXXXXXX | 301554 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 05/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 584503147 | CA | Purchase | Owner Occupied | PUD | 40.25 |  | 787 | 80.00% | XXXXXXXXXX | 301404 | Credit | Credit | Borrowers XXXX their XXXX as an XXXX with no XXXX requires preapproval. | Preapproval for retaining departing residence approved by XXXX and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 584503147 | CA | Purchase | Owner Occupied | PUD | 40.25 |  | 787 | 80.00% | XXXXXXXXXX | 301430 | Credit | Program Eligibilty | The Amortization Schedule is missing from the loan file. | 5/4/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 584503147 | CA | Purchase | Owner Occupied | PUD | 40.25 |  | 787 | 80.00% | XXXXXXXXXX | 301431 | Credit | Program Eligibilty | The Occupancy Certification disclosure is missing from the loan file. | 5/4/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| **57** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 580209543 | FL | Purchase | Non-Owner Occupied | Single Family Detached | 37.13 |  | 809 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 539031031 | FL | Purchase | Non-Owner Occupied | PUD | 0 | 1.068 | 704 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 596423150 | FL | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.6545 | 748 | 70.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 530245704 | NV | Purchase | Owner Occupied | PUD | 38.23 |  | 772 | 60.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 576411235 | NV | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0035 | 742 | 72.92% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 574190420 | WA | Purchase | Owner Occupied | Single Family Detached | 49.56 |  | 779 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 539993011 | NJ | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.1877 | 785 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 570425299 | CA | Purchase | Owner Occupied | Single Family Detached | 40.6 |  | 781 | 70.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 568909945 | SC | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1227 | 708 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 508600165 | NY | Purchase | Owner Occupied | Single Family Detached | 45.58 |  | 679 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 534170186 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0501 | 698 | 59.21% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 512237514 | VA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1832 | 735 | 67.31% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 507812064 | OH | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.6769 | 721 | 79.96% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 598204490 | NJ | Refi - Cash Out | Owner Occupied | Single Family Detached | 46.12 |  | 704 | 77.92% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 517239382 | NJ | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.4303 | 702 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 514447703 | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.1187 | 754 | 75.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 522544300 | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.6787 | 675 | 75.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 555807185 | SC | Purchase | Owner Occupied | PUD | 43.26 |  | 759 | 75.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 552000413 | MA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.9027 | 747 | 30.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 514647716 | MA | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.2596 | 635 | 67.94% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 586916539 | SC | Purchase | Non-Owner Occupied | PUD | 47.49 |  | 742 | 80.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| **21** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.38

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.38**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 7/10/2025** | **Rating Agency Grades: 7/10/2025** | **Rating Agency Grades: 7/10/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXX | 501722843 | XXXXXXXXX D A |
| XXXXXXXXX | 518911748 | XXXXXXXXX C A B |
| XXXXXXXXX | 537905763 | XXXXXXXXX C A |
| XXXXXXXXX | 582608030 | XXXXXXXXX D C A |
| XXXXXXXXX | 515487522 | XXXXXXXXX D A C |
| XXXXXXXXX | 512072206 | XXXXXXXXX C A B |
| XXXXXXXXX | 535900285 | XXXXXXXXX C A B |
| XXXXXXXXX | 594319063 | XXXXXXXXX D C A |
| XXXXXXXXX | 500176214 | XXXXXXXXX C A |
| XXXXXXXXX | 565854086 | XXXXXXXXX D A B |
| XXXXXXXXX | 568909945 | XXXXXXXXX A |
| XXXXXXXXX | 508600165 | XXXXXXXXX A |
| XXXXXXXXX | 533961567 | XXXXXXXXX B A |
| XXXXXXXXX | 541331909 | XXXXXXXXX C A |
| XXXXXXXXX | 534170186 | XXXXXXXXX A |
| XXXXXXXXX | 575253130 | XXXXXXXXX C A |
| XXXXXXXXX | 579712027 | XXXXXXXXX C A B |
| XXXXXXXXX | 541139320 | XXXXXXXXX C A D |
| XXXXXXXXX | 522154855 | XXXXXXXXX D A |
| XXXXXXXXX | 567717030 | XXXXXXXXX C A |
| XXXXXXXXX | 580209543 | XXXXXXXXX A |
| XXXXXXXXX | 586705258 | XXXXXXXXX C A |
| XXXXXXXXX | 596555442 | XXXXXXXXX C A B |
| XXXXXXXXX | 573416145 | XXXXXXXXX C A |
| XXXXXXXXX | 539031031 | XXXXXXXXX A |
| XXXXXXXXX | 538676346 | XXXXXXXXX D A |
| XXXXXXXXX | 512237514 | XXXXXXXXX A |
| XXXXXXXXX | 539825631 | XXXXXXXXX D A |
| XXXXXXXXX | 579416514 | XXXXXXXXX C A B |
| XXXXXXXXX | 507812064 | XXXXXXXXX A |
| XXXXXXXXX | 598204490 | XXXXXXXXX A |
| XXXXXXXXX | 564025024 | XXXXXXXXX C A |
| XXXXXXXXX | 504279449 | XXXXXXXXX C A |
| XXXXXXXXX | 559920392 | XXXXXXXXX C A B |
| XXXXXXXXX | 576457662 | XXXXXXXXX C A |
| XXXXXXXXX | 596423150 | XXXXXXXXX A |
| XXXXXXXXX | 567287358 | XXXXXXXXX C A |
| XXXXXXXXX | 544094525 | XXXXXXXXX C A |
| XXXXXXXXX | 517239382 | XXXXXXXXX A |
| XXXXXXXXX | 530245704 | XXXXXXXXX A |
| XXXXXXXXX | 514447703 | XXXXXXXXX A |
| XXXXXXXXX | 576411235 | XXXXXXXXX A |
| XXXXXXXXX | 525992703 | XXXXXXXXX D A C B |
| XXXXXXXXX | 536037284 | XXXXXXXXX D A |
| XXXXXXXXX | 548953481 | XXXXXXXXX C A |
| XXXXXXXXX | 535378900 | XXXXXXXXX C A |
| XXXXXXXXX | 591900914 | XXXXXXXXX D A B |
| XXXXXXXXX | 565782205 | XXXXXXXXX C A |
| XXXXXXXXX | 532205593 | XXXXXXXXX D C A |
| XXXXXXXXX | 537273871 | XXXXXXXXX D A |
| XXXXXXXXX | 578116884 | XXXXXXXXX C A B |
| XXXXXXXXX | 574190420 | XXXXXXXXX A |
| XXXXXXXXX | 537119629 | XXXXXXXXX C A B |
| XXXXXXXXX | 532788105 | XXXXXXXXX C A |
| XXXXXXXXX | 530173518 | XXXXXXXXX C A |
| XXXXXXXXX | 522544300 | XXXXXXXXX A |
| XXXXXXXXX | 539993011 | XXXXXXXXX A |
| XXXXXXXXX | 540337259 | XXXXXXXXX C A B |
| XXXXXXXXX | 570425299 | XXXXXXXXX A |
| XXXXXXXXX | 507567722 | XXXXXXXXX A C |
| XXXXXXXXX | 586821899 | XXXXXXXXX C A |
| XXXXXXXXX | 508153143 | XXXXXXXXX C A B |
| XXXXXXXXX | 585328869 | XXXXXXXXX C A |
| XXXXXXXXX | 547105878 | XXXXXXXXX C A |
| XXXXXXXXX | 555807185 | XXXXXXXXX A |
| XXXXXXXXX | 554149494 | XXXXXXXXX C A |
| XXXXXXXXX | 552000413 | XXXXXXXXX A |
| XXXXXXXXX | 574197920 | XXXXXXXXX D A |
| XXXXXXXXX | 506753168 | XXXXXXXXX C A B |
| XXXXXXXXX | 533775424 | XXXXXXXXX C A B |
| XXXXXXXXX | 542403897 | XXXXXXXXX C A |
| XXXXXXXXX | 514647716 | XXXXXXXXX A |
| XXXXXXXXX | 556845494 | XXXXXXXXX C A |
| XXXXXXXXX | 549193941 | XXXXXXXXX C A |
| XXXXXXXXX | 585950905 | XXXXXXXXX C A |
| XXXXXXXXX | 585460834 | XXXXXXXXX C A |
| XXXXXXXXX | 584503147 | XXXXXXXXX C A |
| XXXXXXXXX | 586916539 | XXXXXXXXX A |

---

## Exhibit 99.39

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| XXXXXXXX | 501722843 | XX/XX/XXXX | XXXXXXXX | 75.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 518911748 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | XXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 537905763 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 | Freddie Mac | XX/XX/XXXX |
| XXXXXXXX | 582608030 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 515487522 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 512072206 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 535900285 | XX/XX/XXXX | XXXXXXXX | 51.60% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 594319063 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 500176214 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 565854086 | XX/XX/XXXX | XXXXXXXX | 69.57% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 568909945 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 508600165 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 533961567 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 541331909 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 534170186 | XX/XX/XXXX | XXXXXXXX | 59.21% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 575253130 | XX/XX/XXXX | XXXXXXXX | 40.95% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXX | 579712027 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 541139320 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 522154855 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 567717030 | XX/XX/XXXX | XXXXXXXX | 41.67% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 580209543 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | XXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 586705258 | XX/XX/XXXX | XXXXXXXX | 75.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 596555442 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 573416145 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 539031031 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 538676346 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 512237514 | XX/XX/XXXX | XXXXXXXX | 67.31% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 539825631 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 579416514 | XX/XX/XXXX | XXXXXXXX | 70.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 507812064 | XX/XX/XXXX | XXXXXXXX | 79.96% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXXXXXX | XXXXXXXX | Stewart | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 598204490 | XX/XX/XXXX | XXXXXXXX | 77.92% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 564025024 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXXXXXX | XXXXXXXX | Stewart | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 504279449 | XX/XX/XXXX | XXXXXXXX | 70.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 559920392 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | XXXXXXXX | XXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 576457662 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 596423150 | XX/XX/XXXX | XXXXXXXX | 70.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 567287358 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 544094525 | XX/XX/XXXX | XXXXXXXX | 79.84% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 517239382 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 530245704 | XX/XX/XXXX | XXXXXXXX | 60.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 514447703 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXX | 576411235 | XX/XX/XXXX | XXXXXXXX | 72.92% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 525992703 | XX/XX/XXXX | XXXXXXXX | 44.25% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 536037284 | XX/XX/XXXX | XXXXXXXX | 62.09% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 548953481 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 535378900 | XX/XX/XXXX | XXXXXXXX | 83.85% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 591900914 | XX/XX/XXXX | XXXXXXXX | 56.52% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 565782205 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 532205593 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 537273871 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 578116884 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 574190420 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 537119629 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 532788105 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 530173518 | XX/XX/XXXX | XXXXXXXX | 75.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 522544300 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 539993011 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 540337259 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 570425299 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX | XXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 507567722 | XX/XX/XXXX | XXXXXXXX | 65.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 586821899 | XX/XX/XXXX | XXXXXXXX | 23.53% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 508153143 | XX/XX/XXXX | XXXXXXXX | 79.99% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 585328869 | XX/XX/XXXX | XXXXXXXX | 72.78% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 547105878 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXX | 555807185 | XX/XX/XXXX | XXXXXXXX | 75.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 554149494 | XX/XX/XXXX | XXXXXXXX | 70.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXX | 552000413 | XX/XX/XXXX | XXXXXXXX | 30.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 574197920 | XX/XX/XXXX | XXXXXXXX | 60.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 506753168 | XX/XX/XXXX | XXXXXXXX | 70.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 533775424 | XX/XX/XXXX | XXXXXXXX | 38.06% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXX | 542403897 | XX/XX/XXXX | XXXXXXXX | 68.53% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | CA Consolidatedanalytics | XX/XX/XXXX |  |  |  |  |  | 999 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 514647716 | XX/XX/XXXX | XXXXXXXX | 67.94% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 556845494 | XX/XX/XXXX | XXXXXXXX | 60.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXX | 549193941 | XX/XX/XXXX | XXXXXXXX | 80.00% | Sale Price | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 585950905 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 585460834 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 584503147 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXX | 586916539 | XX/XX/XXXX | XXXXXXXX | 80.00% | Appraised Value | XXXXXXXX | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.40

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.40**

**EXECUTIVE SUMMARY** 

GCAT 2025-NQM4

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Blue River Mortgage V LLC. The Review was conducted in June 2025 for mortgage loans originated in May 2025. The Review consisted of 100% of the population of 4 loans with an original loan balance of $2,402,840.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

![](ex9940001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Verification of Borrower Original and Audit Credit Report (if applicable)</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

![](ex9940001.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;vi. Consistent/Continuing
 Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u>![](ex9940001.jpg)

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service
 Provider will review applicable mortgage loans for compliance with the ATR and QM rule
 requirements based upon each mortgage loan's originator designation of QM, Non-QM,
 or exempt from ATR. (Service Provider determines the mortgage loan's status under
 the ATR or QM rule requirements and assigns a due diligence mortgage loan designation.
 Generally, Service Provider notes as a material exception if the due diligence findings
 do not confirm the originator's mortgage loan designation. Additionally, Service
 Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service
 Provider utilizes the following designations for applicable loans: QM designations: QM
 Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR
 Compliant, ATR Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Service Provider 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.

![](ex9940001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Service Provider then determines whether the mortgage loan complies with the ATR
 rule consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service
 Provider reviews the mortgage loan to determine whether, based on available information
 in the mortgage loan file, the creditor considered, as applicable, the following eight
 underwriting factors, and will verify such information using reasonably reliable third-party
 records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations,

![](ex9940001.jpg)

calculated as a ratio of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 will include a review of the valuation materials utilized during the origination of the
 loan and in confirming the value of the underlying property. The review will include
 verifying the appraisal report:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, review will (a) review the relative comparable
 data (gross and net adjustments, sale dates and distance from subject property) and ensure
 that such comparable properties are within standard appraisal guidelines; (b) confirm
 the

![](ex9940001.jpg)

property value and square footage of the subject property was bracketed by comparable properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

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

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

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

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

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance review excluded business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review

![](ex9940001.jpg)

Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence 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 MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Service Provider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to Service
 Provider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as

![](ex9940001.jpg)

a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

![](ex9940001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, Service Provider 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, Service Provider's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u>![](ex9940001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

![](ex9940001.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;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv)
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 Service Provider will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Data Tape Integrity** 

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

![](ex9940001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher with 75.00% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event** <br> **Grade** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp;**Percent of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event** <br> **Grade** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp; **Percent of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event** <br> **Grade** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp; **Percent of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event** <br> **Grade** | &nbsp;&nbsp;**Loan** <br> **Count** | &nbsp;&nbsp; **Percent of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex9940001.jpg)

---

| | | |
|:---|:---|:---|
| &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;**4** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***4*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 4 mortgage loans reviewed, 2 unique mortgage loans (by loan count) had a total of 3 different tape discrepancies across 2 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |

---

![](ex9940001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

![](ex9940001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property 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 99.41

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.41**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 507611430 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4350579 | 1 of 3 | 2025-06-05 19:11 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-05 19:11 | Cleared | 1 | 1 | 1 | 1 |
| 507611430 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4350580 | 2 of 3 | 2025-06-05 19:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-05 19:11 | Cleared | 1 | 1 | 1 | 1 |
| 507611430 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4357482 | 3 of 3 | 2025-06-06 10:00 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-06 10:00 | Cleared | 1 | 1 | 1 | 1 |
| 563792236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4328958 | 1 of 3 | 2025-06-04 12:36 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. Missing executed Business Purpose & Occupancy Affidavit form per Exhibit J of the guidelines. <br>|  | Document Uploaded. - 06/05/2025<br>| Received documentation. - 06/06/2025<br>|  | 2025-06-06 16:07 | Void | 3 |  | 3 | 1 |
| 563792236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4329856 | 2 of 3 | 2025-06-04 13:47 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-04 13:47 | Cleared | 1 | 1 | 3 | 1 |
| 563792236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4329863 | 3 of 3 | 2025-06-04 13:47 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-04 13:47 | Cleared | 1 | 1 | 3 | 1 |
| 548121550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4374046 | 1 of 4 | 2025-06-08 14:29 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-08 14:29 | Cleared | 1 | 1 | 3 | 2 |
| 548121550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4377031 | 2 of 4 | 2025-06-09 10:58 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-06-09 10:58 | Cleared | 1 | 1 | 3 | 2 |
| 548121550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4382041 | 3 of 4 | 2025-06-09 16:32 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History does not meet guideline requirements. The borrowers indicated on the credit report that they were involved in a foreclosure in the last 7 years. According to the fraud report, a foreclosure was reported for the property located at XXXXXX on XXXXXX or XXXXXXfrom the note date. Per guidelines, the required foreclosure seasoning is XXXXXX. <br>|  | Document Uploaded. - 06/12/2025 <br>Document Uploaded. - 06/11/2025<br>| The exception has been received - 06/17/2025<br>| Low DTI. Excessive reserves. Significant residual income | 2025-06-17 04:31 | Waived | 3 | 2 | 3 | 2 |
| 548121550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 4382056 | 4 of 4 | 2025-06-09 16:33 | Credit | Missing letter of explanation | There is a foreclosure reporting on the fraud report. Per guidelines, foreclosures require a letter of explanation from the borrower. This letter of explanation is missing from the loan file. <br>|  | Document Uploaded. - 06/11/2025<br>| Letter of explanation has been received - 06/17/2025<br>|  | 2025-06-17 04:30 | Resolved | 3 | 1 | 3 | 2 |
| 581869527 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4381973 | 1 of 3 | 2025-06-09 16:25 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-09 16:26 | Cleared | 1 | 1 | 3 | 1 |
| 581869527 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4382006 | 2 of 3 | 2025-06-09 16:28 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Origiantor noted total expenses for XXXXXX are XXXXXX. The mortgage is escrowed with a payment of $XXXXXX and no other expenses documented. Please provide documentation for the expense of $XXXXXX. <br>|  | Document Uploaded. - 06/10/2025<br>| The mortgage statement reflects loan is escrowed. Mortgage statement reflects a payment of XXXXXX plus the HOA statement provided of $XXXXXX. - 06/16/2025 |  | 2025-06-16 12:37 | Resolved | 3 | 1 | 3 | 1 |
| 581869527 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4383346 | 3 of 3 | 2025-06-09 17:37 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-09 17:37 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.42

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.42**

---

| | |
|:---|:---|
| ![](maxwell.jpg) |  |
| Client | Blue River Mortgage V LLC |
| Transaction | GCAT 2025-NQM4 |
| Date | 07/10/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 507611430 | XXXXXX |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 563792236 | XXXXXX |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| 548121550 | XXXXXX |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 581869527 | XXXXXX |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.43

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.43**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 507611430 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.37 | 66.37 | XXXXXX | .00 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Adequate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 563792236 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Reasonable | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 548121550 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | LOW RISK | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 581869527 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 54.34 | 54.34 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Adequate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX Eligible | XXXXXX | XXXXXX |

---

## Exhibit 99.44

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.44**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 507611430 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 21370.00 | XXXXXX | 6.740% | Manual Underwriting | Manual Underwriting | No | 7.155% |  | 6.990% | 6.990% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 16.34% | 16.34% | 16.34% | 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 | 36 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 6.3 | XXXXXX | 6.3 | No | 66.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 3.17 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 563792236 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 28.84% | 28.94% | 28.94% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 5.5 | XXXXXX | 5.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | Yes | 3.67 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 548121550 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11087.80 | XXXXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 8.468% |  | 8.375% | 8.375% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 33.89% | 33.36% | 33.36% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 - 2024 \|\| Co Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  | XXXXXX | 0 | XXXXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 21.3 | XXXXXX | 75.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | true | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  | 0.00 | 35.00 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX |
| 581869527 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 40.72% | 37.50% | 37.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 75.5 | XXXXXX | 75.5 | No | 54.34 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 4.42 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |

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## Exhibit 99.45

**[GCAT 2025-NQM4 Trust ABS- 15G](gcat2025-abs15g.htm)**

**Exhibit 99.45**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 548121550 |  | XXXXXX | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 548121550 |  | XXXXXX | Qualifying Total Monthly Liabilities | XXXXXX | XXXXXX | XXXXXX |
| 581869527 |  | XXXXXX | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |

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