# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-25-015635
**Filing Date:** 2025-10
**Character Count:** 4542091
**Document Hash:** c73554fde09d9df9e9e34f5eaac24451
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-015635.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0001999371-25-015635

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

**PUBLIC DOCUMENT COUNT**: 115

**CONFORMED PERIOD OF REPORT**: 20251017

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

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 251401451

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

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

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

---

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

---

Name and telephone number, including area code, of the person to contact in<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: 0001946154 |
|  | <u>EFMT 2025-NQM5</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>Robert A. Catarella, (203) 409-3596</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | **EFMT DEPOSITOR LLC** | **EFMT DEPOSITOR LLC** |
|  | By: ELLINGTON MANAGEMENT GROUP,<br> L.L.C., as its manager | By: ELLINGTON MANAGEMENT GROUP,<br> L.L.C., as its manager |
|  | /s/ Robert A. Catarella | /s/ Robert A. Catarella |
| Date: October 17, 2025 | Name: | Robert A. Catarella |
|  | Title: | Managing Director |

---

EXHIBIT INDEX

---

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

---

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

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

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

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

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

---

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

---

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

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

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

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

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

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

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii ATR or QM Report](ex99-03s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Business Purpose Report](ex99-03s2.htm)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii RA Grades Summary Report](ex99-03s4.htm)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii Supplemental Data Report](ex99-03s6.htm)

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

---

| | |
|:---|:---|
| [99.04](ex99-04.htm) | [Clayton Services LLC ("**Clayton**") Narrative](ex99-04.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex99-04s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex99-04s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex99-04s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Standard Upload Report](ex99-04s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton Valuations Summary Report](ex99-04s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton ATR or QM Report](ex99-04s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Non ATR or QM Report](ex99-04s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Clayton Tape Compare Report](ex99-04s8.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. [Clayton Waived Conditions Report](ex99-04s9.htm)

---

| | |
|:---|:---|
| [99.05](ex99-05.htm) | [Covius Real Estate Services, LLC ("**Covius**") Narrative](ex99-05.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Covius ATR QM Data Fields Report](ex99-05s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Covius Business Purpose Report](ex99-05s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Covius Exceptions Report](ex99-05s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Covius RA Grades Report](ex99-05s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Covius Tape Compare Report](ex99-05s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Covius Valuation Report](ex99-05s6.htm)

---

| | |
|:---|:---|
| [99.06](ex99-06.htm) | [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-06.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Digital Risk Findings Summary Report](ex99-06s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Digital Risk Findings Exception Report](ex99-06s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Digital Risk Rating Agency Report](ex99-06s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Digital Risk Valuation Report](ex99-06s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Digital Risk Standard Summary Report](ex99-06s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Digital Risk Standard Report](ex99-06s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Digital Risk Supplemental Report](ex99-06s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Digital Risk Non-QM Supplemental Report](ex99-06s8.htm)

---

| | |
|:---|:---|
| [99.07](ex99-07.htm) | [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-07.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex99-07s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex99-07s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex99-07s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex99-07s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex99-07s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Business Purpose Report](ex99-07s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Additional Data Report](ex99-07s7.htm)

---

| | |
|:---|:---|
| [99.08](ex99-08.htm) | [Incenter Lender Services LLC ("**Incenter**") Narrative](ex99-08.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Incenter Review Summary Report](ex99-08s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Incenter Exception Report](ex99-08s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Incenter Rating Agency Grades Report](ex99-08s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Incenter Final Tape Compare Report](ex99-08s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Incenter Supplemental Data Report](ex99-08s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Incenter QM ATR Report](ex99-08s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Incenter Valuation Summary Report](ex99-08s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. [Incenter Business Purpose Report](ex99-08s8.htm)

---

| | |
|:---|:---|
| [99.09](ex99-09.htm) | [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-09.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex99-09s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex99-09s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex99-09s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex99-09s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Maxwell Data Compare Report](ex99-09s5.htm)

---

| | |
|:---|:---|
| [99.10](ex99-10.htm) | [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-10.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Standard Findings Detail Report](ex99-10s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Rating Agency Grades Summary Report](ex99-10s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex99-10s3.htm)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex99-10s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex99-10s7.htm)

---

| | |
|:---|:---|
| [99.11](ex99-11.htm) | [Selene Diligence LLC ("**Selene**") Narrative](ex99-11.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Summary Report](ex99-11s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex99-11s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex99-11s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene Supplemental Data Report](ex99-11s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Business Purpose Report](ex99-11s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Data Compare Report](ex99-11s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene MLS Report](ex99-11s7.htm)

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

------

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted from February 2018 through September 2025 on mortgage loans with origination dates from February 2018 through August 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (58 loans) and the Business Purpose Scope (86 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 148 mortgage loans.

The final population of the Review covered 144 mortgage loans totaling an aggregate original principal balance of approximately $76.500 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Note Date |  |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Occupancy |  |

---

1 \| P a g e

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

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

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

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

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

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

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

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

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

2 \| P a g e

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**DATA COLLECTION**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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));

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage<br> Loans** | &nbsp;&nbsp;**% of Mortgage<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;85.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.58% |
| &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;**144** | &nbsp;&nbsp;**100.00%** |

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**COMPLIANCE RESULTS SUMMARY**

Please note that eighty-six (86) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. Four (4) mortgage loans reviewed by AMC have a Compliance grade of "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;93.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.90% |
| &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;**58** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY** 

All one hundred forty-four (144) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 85.42% of the mortgage loans by number have a Credit grade of "A."

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage<br> Loans** | &nbsp;&nbsp;**% of Mortgage<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;123 | &nbsp;&nbsp;85.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.58% |
| &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;**144** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY** 

All one hundred forty-four (144) mortgage loans reviewed by AMC have a Property grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage<br> Loans** | &nbsp;&nbsp;**% of Mortgage<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;144 | &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;**144** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

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

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**NRSRO Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;18 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**29** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 144 mortgage loans reviewed, 94 unique mortgage loans had 307 different tape discrepancies across 40 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date, Borrower Last Name and Contract Sales Price.

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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;76 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;11 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;103 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;42 | &nbsp;&nbsp;11.90% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;37 | &nbsp;&nbsp;140 | &nbsp;&nbsp;26.43% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;8 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;144 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;33 | &nbsp;&nbsp;102 | &nbsp;&nbsp;32.35% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;11 | &nbsp;&nbsp;81.82% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;38 | &nbsp;&nbsp;21.05% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;8 | &nbsp;&nbsp;75 | &nbsp;&nbsp;10.67% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;47 | &nbsp;&nbsp;8.51% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;102 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;76 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;40 | &nbsp;&nbsp;144 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;5 | &nbsp;&nbsp;108 | &nbsp;&nbsp;4.63% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;144 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;8 | &nbsp;&nbsp;75 | &nbsp;&nbsp;10.67% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;103 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;4 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;144 | &nbsp;&nbsp;11.81% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;144 | &nbsp;&nbsp;3.47% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;144 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;75 | &nbsp;&nbsp;6.67% | &nbsp;&nbsp;144 |

---

15 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;144 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;144 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**307** | &nbsp;&nbsp;**2959** | &nbsp;&nbsp;**10.38%** | &nbsp;&nbsp;**144** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br>Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original<br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;133 | &nbsp;&nbsp;92.36% | &nbsp;&nbsp;$68312082.00 | &nbsp;&nbsp;89.30% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;11 | &nbsp;&nbsp;7.64% | &nbsp;&nbsp;$8187700.00 | &nbsp;&nbsp;10.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$76499782.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br>Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original<br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;144 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$76499782.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$76499782.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br>Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original<br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;59 | &nbsp;&nbsp;40.97% | &nbsp;&nbsp;$22993850.00 | &nbsp;&nbsp;30.06% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;7.64% | &nbsp;&nbsp;$4992850.00 | &nbsp;&nbsp;6.53% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;54 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$35044512.00 | &nbsp;&nbsp;45.81% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;20 | &nbsp;&nbsp;13.89% | &nbsp;&nbsp;$13468570.00 | &nbsp;&nbsp;17.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$76499782.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br>Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original<br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;141 | &nbsp;&nbsp;97.92% | &nbsp;&nbsp;$70546782.00 | &nbsp;&nbsp;92.22% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$5953000.00 | &nbsp;&nbsp;7.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$76499782.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br>Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original<br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;75 | &nbsp;&nbsp;52.08% | &nbsp;&nbsp;$42074495.00 | &nbsp;&nbsp;55.00% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$245000.00 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;11 | &nbsp;&nbsp;7.64% | &nbsp;&nbsp;$3453850.00 | &nbsp;&nbsp;4.51% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;$1945000.00 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;27 | &nbsp;&nbsp;18.75% | &nbsp;&nbsp;$15887587.00 | &nbsp;&nbsp;20.77% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$711500.00 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.81% | &nbsp;&nbsp;$7624600.00 | &nbsp;&nbsp;9.97% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.47% | &nbsp;&nbsp;$2866500.00 | &nbsp;&nbsp;3.75% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$1691250.00 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$76499782.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br>Count** | &nbsp;&nbsp;**% of<br>Loans** | &nbsp;&nbsp;**Original<br>Balance** | &nbsp;&nbsp;**% of<br>Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;43 | &nbsp;&nbsp;29.86% | &nbsp;&nbsp;$33097143.00 | &nbsp;&nbsp;43.26% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;91 | &nbsp;&nbsp;63.19% | &nbsp;&nbsp;$35474619.00 | &nbsp;&nbsp;46.37% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;10 | &nbsp;&nbsp;6.94% | &nbsp;&nbsp;$7928020.00 | &nbsp;&nbsp;10.36% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**144** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$76499782.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXX | 1079149 | XXX |  |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| XXX | 2051892 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051906 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051914 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051911 | XXX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2051919 | XXX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2051917 | XXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2051913 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051916 | XXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2051915 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051907 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051922 | XXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2051918 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061173 | XXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2061186 | XXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061179 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061188 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061176 | XXX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2061175 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061181 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061185 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061174 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2061180 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061187 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2061182 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058687 | XXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058645 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058658 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058660 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058686 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058690 | XXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058680 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058644 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058677 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058639 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058636 | XXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058637 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058641 | XXX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058652 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058642 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058647 | XXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2058688 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058648 | XXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2058679 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058638 | XXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058640 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2058646 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2058649 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2071884 | XXX |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2071883 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2071887 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2065680 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2065418 | XXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073288 | XXX | XXX |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073351 | XXX | XXX |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073291 | XXX | XXX |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073294 | XXX | XXX |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2071891 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2071886 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073300 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073312 | XXX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073355 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073356 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073306 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073322 | XXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2073298 | XXX |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2073292 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073326 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073318 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073299 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073293 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073323 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073333 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073305 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073332 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073309 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073354 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073335 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073316 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073337 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073336 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073314 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073339 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073290 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073325 | XXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073320 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073303 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073304 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073357 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073327 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073308 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073330 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073349 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073344 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073328 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073331 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073343 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073345 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073313 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073346 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073301 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073315 | XXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073319 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073295 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073297 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073310 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073324 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073311 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073347 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073321 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073296 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073348 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073302 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073350 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2073317 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067828 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067830 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067813 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067814 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067820 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067835 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067833 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067822 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067839 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067819 | XXX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2067837 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067834 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067823 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067840 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067817 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067812 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067831 | XXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067818 | XXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067824 | XXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2067821 | XXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067832 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067811 | XXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067825 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067838 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067829 | XXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2067826 | XXX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2067827 | XXX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2067836 | XXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2067815 | XXX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 2**

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| ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **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** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 1079149 | XXX |  | 5552518 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is in excess of allowable threshold of APOR xxxx% + xxxx%, or xxxx%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2018-02-12): client acknowledges - rating [redacted] |  |  | 02/12/2018 | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 1079149 | XXX |  | 5552520 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is in excess of allowable threshold of APOR xxxx% + xxxx%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2018-02-12): client acknowledges - rating [redacted] |  |  | 02/12/2018 | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Refinance - Cash-out - Other | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 1079149 | XXX |  | 5552525 |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Missing evidence of the borrower's receipt of the ARM Disclosure. |  |  |  | Reviewer Comment (2018-02-27): docs provided<br>Seller Comment (2018-02-26): Please see uploaded ARM Disclosure. | 02/27/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 1079149 | XXX |  | 5552526 |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Missing evidence of the borrower's receipt of the Consumer Handbook on Adjustable Rate Mortgages. |  |  |  | Reviewer Comment (2018-08-14): Client elects to waive.<br>Seller Comment (2018-08-13): No cure.<br>Reviewer Comment (2018-03-01): xxxx compliance discussed with outside counsel the grading of the CHARM booklet (along with the ARM Program Disclosure) in mid-xxxx and then revisited with them again in xxxx of last year.<br> Short answer - Yes, a missing CHARM Booklet is an EV3 level exception. Is it curable? As a timing requirement, it cannot be cured although it can be downgraded to EV2-B after the [redacted]-year SOL has expired. <br> Long answer - If there is the potential for a private right of action under TILA, the next step in the analysis is determining if the violation could result in assignee liability. With respect to the assignee liability provision in TILA 131(e), that section states that assignees of consumer credit transactions secured by real property may be liable only if: (1) the violation for which action is bought is "apparent on the face of the disclosure statement" and (2) the assignment was voluntary. TILA 131(e)(2) further states that for the foregoing purposes, a violation is "apparent on the face of the disclosure statement" if, among other things, "the disclosure statement does not use the terms or format required to be used…". The CHARM booklet and loan program disclosure are [redacted]of the disclosures that must be provided for variable rate transactions pursuant to 1026.19(b). That section specifically states that for certain variable rate transactions, "the following disclosures must be provided: …(1) [the CHARM booklet]….(2) a loan program disclosure". Accordingly, it appears that the CHARM booklet and loan program disclosure are each specifically viewed as a disclosure under Regulation Z and thus would fall within the scope of the assignee liability provisions of TILA 131(e). If these disclosures are missing or there are blanks, for example, then it is certainly reasonable to conclude that it "does not use the terms or format required to be used" since obviously there is nothing present at all. In that case, it then appears reasonable to conclude that this is a violation that is "apparent on the face of the disclosure statement" given the fact that it is "apparent" a missing CHARM booklet or loan program disclosure (or fields therein) is missing.<br> One of the factors that determines whether or not a TPR grades an exception as material is if the exception carries the potential for assignee liability. Accordingly, as discussed above, we believe there is a reasonable basis to conclude that there is the potential for a private right of action and that such violations could be deemed apparent on the face of the disclosure statement, which would mean an assignee could be subject to a private right of action.<br>Seller Comment (2018-02-27): Can you please clarify why this would be rated a [redacted] instead of a [redacted]?<br>Reviewer Comment (2018-02-27): still pending<br>Seller Comment (2018-02-26): My apologies, I uploaded my comments and trailing items to the wrong finding.<br>Seller Comment (2018-02-26): Please see uploaded ARM Disclosure. |  |  | 08/14/2018 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 1079149 | XXX |  | 5552527 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Please provide fully executed Right of Rescission. |  |  |  | Reviewer Comment (2018-02-27): docs provided | 02/27/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| XXX | 1079149 | XXX |  | 5552528 |  |  | 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 provided to all parties whose ownership interest is or will be subject to the security interest. | Please provide fully executed Right of Rescission. |  |  |  | Reviewer Comment (2018-02-27): docs provided<br>Seller Comment (2018-02-26): Please see uploaded Notice of Right to Cancel. | 02/27/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes |
| XXX | 1079149 | XXX |  | 5560264 |  |  | 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 to allow xxxx investor concentration; allow LTV to [redacted]%; allow [redacted](+/-) years beyond maturity verses [redacted]. Guidelines require non-warrantable condo maximum LTV >[redacted]% investor ownership. Maximum LTV [redacted]%. Leasehold requires [redacted] year term beyond mortgage maturity. | Borrower has job stability for [redacted] years with same employer.<br>[redacted] months reserves required but verified [redacted]months |  |  | Reviewer Comment (2018-02-12): Lender Deviation Approval in file with supported by Compensating Factors. |  |  | 02/12/2018 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 1079149 | XXX |  | 5560296 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Please provide fully executed Final 1003. |  |  |  | Reviewer Comment (2018-02-27): docs provided | 02/27/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 2073351 | XXX | XXX | 34551673 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Personal Identification was not provided for Guarantor [redacted]. |  |  |  | Reviewer Comment (2025-06-18): clear<br>Buyer Comment (2025-06-16): [redacted] ID<br>Reviewer Comment (2025-06-10): File does not contain any form of identification for guarantor [redacted]. This individual signed guarantor agreement and is considered a borrower on the loan.<br>Buyer Comment (2025-06-06): Per page[redacted] of the Correspondent Seller's Guide, only an [redacted]is required for the borrower. | 06/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2067836 | XXX |  | 34570800 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the borrower's self employment history being less than two 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's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-13): Lender exception approval in file |  |  | 08/13/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2067821 | XXX |  | 34570706 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title coverage is less than the loan amount. Provide a current copy of the preliminary, commitment, or final title. |  |  |  | Reviewer Comment (2025-08-07): Title supplement received, exception cleared<br>Buyer Comment (2025-08-04): Title supplement with correct amount | 08/07/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Primary | Purchase |  | B | A | B | A | A | A | A | A | Non QM | Non QM | No |
| XXX | 2065680 | XXX |  | 34545726 |  |  | 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. | Lender Credits 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, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-28): [redacted] received a valid COC.<br>Buyer Comment (2025-07-24): Submitted COC for[redacted] CD. | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051922 | XXX |  | 34178214 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. |  |  |  | Reviewer Comment (2025-06-26): Received clarification/approval/documentation from lender. Condition cleared.<br>Reviewer Comment (2025-06-25): Replacement Cost Estimator is required to clear this condition. - Exception Remains.<br>Buyer Comment (2025-06-23): The Hazard Insurance policy provided Doc ID [redacted] is at replacement cost, please refer to page [redacted] which states "Coverages A, B, C and D will be adjusted annually on this policy to reflect any changes in building costs as necessary to keep your coverages in line with the cost to rebuild your home.". | 06/26/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXX | 2067831 | XXX |  | 34570635 |  |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Provided security instrument and subsequent riders are not signed by the borrower. Signed copies of the security instrument and corresponding riders are required. |  |  |  | Reviewer Comment (2025-08-04): Received Security Instrument. Exception Cleared.<br>Buyer Comment (2025-07-31): Signed security instrument-DOT | 08/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067831 | XXX |  | 34570637 |  |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) PUD Rider was not provided. |  | Provided PUD rider was not signed by the borrower. The signed copy of the rider is required. |  |  |  | Reviewer Comment (2025-08-04): Received PUD Rider. Exception Cleared.<br>Buyer Comment (2025-07-31): PUD Rider Signed | 08/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067831 | XXX |  | 34570638 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  | Provided Second Home rider was not signed by the borrower. The signed copy of the rider is required. |  |  |  | Reviewer Comment (2025-08-04): Received Rider - Second Home. Exception Cleared.<br>Buyer Comment (2025-07-31): Second Home Rider - signed | 08/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067831 | XXX |  | 34570639 |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Subject borrower is a foreign national. Lender guidelines do not allow the borrower's held citizenship due to being from a restricted country. Legal department approval is required as per lender guidelines. |  |  |  | Reviewer Comment (2025-08-04): Copy of Citizen Validation screen provided. However, As per rate lock the borrower is Foreign Nation and as per lender guideline states Foreign national aliens must provide a valid passport, which is already provided. Exception Cleared.<br>Buyer Comment (2025-07-31): Copy of Citizen Validation Screen, w/ approval and notes | 08/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067824 | XXX |  | 34570665 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax certificate is missing for REO Property [redacted] |  |  |  | Reviewer Comment (2025-08-06): Received<br>Buyer Comment (2025-08-01): Property taxes [redacted] Flint | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2067824 | XXX |  | 34570666 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender-Approved Exception allowing for [redacted]months verified reserves [redacted] 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 representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Lender approved exception in file |  |  | 07/31/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2067815 | XXX |  | 34570814 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the delinquent taxes on the subject property that were paid prior to closing. | 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 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-13): Lender exception approval in file |  |  | 08/13/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067815 | XXX |  | 34570815 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds lender allowable limit. Lender qualified the borrower using the most recent [redacted] months of deposits, not cash flow. Bank statement income provided shows a largely declining income over the past [redacted] months. There is no borrower LOE in file for declining income so the most conservative income method was used, the most recent [redacted]months cash flow. Cash flow calculation matches that of the lender's UW worksheet. |  |  |  | Reviewer Comment (2025-08-21): Received CPA Letter with Expense factor [redacted]%<br>Buyer Comment (2025-08-20): attached | 08/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067815 | XXX |  | 34570816 |  |  | 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 DTI exceeding the allowable limit by lender guidelines. Lender qualified the borrower on a monthly income that does not match lender guidelines. Cash flow must be used to verify the borrower's income. |  |  |  | Reviewer Comment (2025-08-21): Received CPA Letter | 08/21/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| XXX | 2067815 | XXX |  | 34570817 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Subject DTI exceeds the lender's allowable limit significantly. This is due to the qualifying income used by lender not being supported by the bank statements provided. The lender used the most recent [redacted]month average of deposits rather than the borrower's actual cash flow. Borrower has declining income with no letter of explanation in file to allow the use of the most recent [redacted] months of cash flow. |  |  |  | Reviewer Comment (2025-08-21): Received CPA Letter | 08/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067815 | XXX |  | 34570818 |  |  | 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. | Ability to Repay failure is due to DTI exceeding the allowable limit by lender guidelines. Lender qualified the borrower on a monthly income that does not match lender guidelines. Cash flow must be used to verify the borrower's income. |  |  |  | Reviewer Comment (2025-08-21): Received CPA Letter | 08/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2061179 | XXX |  | 34254060 |  |  | 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 ([redacted]) business days prior to closing. | Provided initial CD is dated within [redacted] business days of closing. There is no evidence of an earlier CD dated prior to [redacted] days from closing. |  |  |  | Reviewer Comment (2025-07-28): [redacted] received initial CD.<br>Buyer Comment (2025-07-25): Please see attached Initial CD and the delivery | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067818 | XXX |  | 34570656 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Subject city name from the Note of [redacted] does not match the provided hazard insurance city name of [redacted]. Corrected hazard insurance evidence is required. |  |  |  | Reviewer Comment (2025-08-08): Received Hazard insurance Policy with correct address. Exception Cleared.<br>Buyer Comment (2025-08-06): attached | 08/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXX | 2067827 | XXX |  | 34570788 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Appraisal revision dated [redacted] was completed less than [redacted] business days from Note date. There is no evidence of an appraisal waiver to allow borrower receipt within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-08-20): Lender acknowledges this is Grade [redacted] and elects to waive<br>Buyer Comment (2025-08-19): Elect to waive grade[redacted] for appraisal delivery and close out.<br>Reviewer Comment (2025-08-18): Requirement is [redacted] business days, [redacted]nd is a [redacted]and [redacted]rd is a [redacted].<br>Buyer Comment (2025-08-14): Appraisal delivery for v2 dated[redacted], emailed to borrower on [redacted], loan closed [redacted] |  |  | 08/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | N/A | Exempt from ATR | No |
| XXX | 2067827 | XXX |  | 34570791 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to allow the delinquent taxes on the subject property which was originally owned free and clear. | 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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): Lender exception approval in file |  |  | 08/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | N/A | Exempt from ATR | No |
| XXX | 2067826 | XXX |  | 34570777 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Provided appraisal update dated [redacted] is within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-08-20): Lender acknowledges this is Grade [redacted] and elects to waive<br>Buyer Comment (2025-08-19): Elect to waive and close out as grade[redacted]<br>Reviewer Comment (2025-08-18): Within[redacted] business days,[redacted] and [redacted]are not considered business days<br>Buyer Comment (2025-08-14): [redacted] of appraisal [redacted] was emailed to borrower on [redacted], closing [redacted] |  |  | 08/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | N/A | Exempt from ATR | No |
| XXX | 2067826 | XXX |  | 34570778 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to allow the delinquent taxes on the Subject property. | 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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-11): Lender exception approval in file |  |  | 08/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | N/A | Exempt from ATR | No |
| XXX | 2067819 | XXX |  | 34570526 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title coverage is less than the loan amount. Please provide a current copy of the preliminary, commitment or final title. |  |  |  | Reviewer Comment (2025-08-08): Received copy of Title Supplement. Exception Cleared.<br>Buyer Comment (2025-08-07): Updated title supplement with correct coverage | 08/08/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| XXX | 2067819 | XXX |  | 34570528 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed the payoff of Delinquent property taxes on a free and clear property | 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]%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-06): Lender exception approval in file |  |  | 08/06/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| XXX | 2061188 | XXX |  | 34254065 |  |  | 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 ([redacted]) business days prior to closing. | Provided initial closing disclosure is dated within [redacted] business days of closing. There is no evidence of an earlier CD dated prior to [redacted] days from closing. |  |  |  | Reviewer Comment (2025-07-29): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-07-28): Please see attached Initial Cd and proof of delivery | 07/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2061176 | XXX |  | 34254067 |  |  | 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 ([redacted]) business days prior to closing. | Provided initial closing disclosure was final and is dated for closing. There is no evidence of an earlier CD dated prior to [redacted] days from closing. |  |  |  | Reviewer Comment (2025-07-29): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-07-28): initial CD<br>Buyer Comment (2025-07-28): Providing Disclosure Tracking Details report confirming the initial CD was emailed to the borrower on [redacted], including copy of this initial CD. | 07/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2061176 | XXX |  | 34254069 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender allowed the loan amount under the guideline minimum. | 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.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-23): Lender exception approval in file |  |  | 07/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Second Home | Purchase |  | C | B | B | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2061173 | XXX |  | 34254055 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender guidelines require at least six months of rent loss coverage on all investment properties. The provided HO-6 policy does not disclose any rent loss coverage. |  |  |  | Reviewer Comment (2025-07-18): Received<br>Buyer Comment (2025-07-14): ATTACHED | 07/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No |
| XXX | 2061173 | XXX |  | 34254056 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Lender guidelines require a verbal verification of employment. Only a WVOE was provided for the borrower's wage income. | 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-22): Received Lender exception approval for use of WVOE in lieu of VVOE<br>Buyer Comment (2025-07-22): attached<br>Reviewer Comment (2025-07-18): nothing attached<br>Buyer Comment (2025-07-14): ATTACHED |  |  | 07/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | Exempt from ATR | No |
| XXX | 2061186 | XXX |  | 34254058 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Provided hazard insurance discloses a different subject city name than the Note. The Note states the city as [redacted] while the hazard evidence uses [redacted]. Corrected hazard evidence is required. |  |  |  | Reviewer Comment (2025-07-16): Received<br>Buyer Comment (2025-07-11): See attached Zip code is acceptable | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| XXX | 2061180 | XXX |  | 34254099 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-07-22): Received<br>Buyer Comment (2025-07-22): attached | 07/22/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2065418 | XXX |  | 34545732 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing a third party verification for the borrower's business dated within [redacted]business days prior to the note date. |  |  |  | Reviewer Comment (2025-08-05): Trail doc was uploaded.<br>Buyer Comment (2025-07-31): VVOE documentation uploaded for review. | 08/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2065418 | XXX |  | 34545733 |  |  | 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. | File is missing a third party verification for the borrower's business dated within [redacted]business days prior to the note date. |  |  |  | Reviewer Comment (2025-08-05): trail doc provided (VVOE)<br>Buyer Comment (2025-07-31): VVOE documentation uploaded to trailing docs for review. | 08/05/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2065418 | XXX |  | 34545734 |  |  | 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. | File is missing a third party verification for the borrower's business dated within [redacted]business days prior to the note date. |  |  |  | Reviewer Comment (2025-08-05): trail doc provided (VVOE)<br>Buyer Comment (2025-07-31): VVOE documentation uploaded to trailing docs for review. | 08/05/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Rate/Term |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058648 | XXX |  | 34320762 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Provided for CPA Expense Factor letter for a food service business. Expense Factor of [redacted]% With Compensating Factors: [redacted] Credit Score, [redacted]% DTI, [redacted]Months Reserves. $[redacted]Residual 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 representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]mo Bank Statement<br> Disposable Income: $[redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-09): Client elects to waive with compensating factors. |  |  | 07/09/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2058648 | XXX |  | 34320763 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Evidence of borrower's receipt of all [redacted] gift funds totaling $[redacted]was not located in the file. |  |  |  | Reviewer Comment (2025-07-10): Wire confirmation with currency convertor was provided, exception cleared.<br>Buyer Comment (2025-07-09): [redacted]#[redacted]for the titled non-borrower under doc ID [redacted]reflects [redacted]deposits from the foreign donor for $[redacted] on [redacted] matching the wire confirmation under doc ID [redacted](page [redacted]), $[redacted]on [redacted] matching the wire confirmation doc ID [redacted](page [redacted]), and $[redacted]on [redacted] matching the wire confirmation under doc ID [redacted](page [redacted]), for a total of $[redacted]. Gift letter under doc ID [redacted] reflects the exchange rate as of [redacted] that changes daily and matches the donor's foreign stmt under doc ID [redacted](page [redacted]). <br> Santander #[redacted]foreign asset for the titled non-borrower under doc ID D[redacted] reflects $[redacted] and $[redacted]received from the donor on [redacted]. Gift letters under doc IDs [redacted] and [redacted] reflect the exchange rates for each as of [redacted] that changes daily. | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2058647 | XXX |  | 34320755 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception at origination is provided for 1099 program at [redacted] vs. [redacted] months history. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-08): Client elected to waive exceptions with compensating factors. |  |  | 07/08/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2058646 | XXX |  | 34320790 |  |  | 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 (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| XXX | 2058645 | XXX |  | 34320634 |  |  | 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 ([redacted]) business days from transaction date of [redacted]. |  |  |  |  | Reviewer Comment (2025-07-08): Post Close CD received, exception cleared.<br>Buyer Comment (2025-07-07): Submitted PCCD docs with Disclosure Tracking for review. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | 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 | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051919 | XXX |  | 34178091 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation |  |  |  | Reviewer Comment (2025-05-27): Appraisal report received and verified. Exception cleared<br>Buyer Comment (2025-05-23): The proof that the [redacted] appraisal report was provided in the initial shipping package Doc ID [redacted] page [redacted] and Doc ID [redacted] page [redacted] (your system broke the docs apart), which reflect that the appraisal report was sent to the borrower on [redacted], the presumed receipt date would be [redacted], the loan did not close until [redacted]. The [redacted] business day ECOA requirement was met. | 05/27/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| XXX | 2051919 | XXX |  | 34178094 |  |  | 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 Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |  | 05/21/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| XXX | 2051919 | XXX |  | 34178095 |  |  | 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]is greater than guideline maximum 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'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. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-27): The LTV is driven by the Exception to go from a Maximum of [redacted]% per Guidelines to [redacted]% and in turn the loan amount to $[redacted]. |  |  | 05/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| XXX | 2051919 | XXX |  | 34178096 |  |  | 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 to allow [redacted]% LTV increase from [redacted]% to [redacted]% 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 [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. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): Client elects to waive with compensating factors. |  |  | 05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| XXX | 2051919 | XXX |  | 34178097 |  |  | 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 to allow [redacted]% LTV increase from [redacted]% to [redacted]% 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 [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. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): Client elects to waive with compensating factors. |  |  | 05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| XXX | 2051919 | XXX |  | 34178098 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception to allow a [redacted] point FICO exception from [redacted] vs [redacted] 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 [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. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): Client elects to waive with compensating factors. |  |  | 05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Second Home | Purchase |  | C | B | C | B | B | A | A | A | Non QM | Non QM | No |
| XXX | 2058641 | XXX |  | 34320702 |  |  | 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 is missing. |  |  |  | Reviewer Comment (2025-07-04): Document received. Exception Cleared.<br>Buyer Comment (2025-07-03): Submitted List of Homeownership Counseling Organizations with Disclosure Tracking Details for review. | 07/04/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| XXX | 2058641 | XXX |  | 34320704 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing. |  |  |  | Reviewer Comment (2025-07-04): Final 1003 received. Exception Cleared.<br>Buyer Comment (2025-07-03): Submitted Final 1003 for review. | 07/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| XXX | 2058641 | XXX |  | 34320705 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Rider - Inter Vivos is missing in loan file. |  |  |  | Reviewer Comment (2025-07-04): Rider Received. Exception Cleared.<br>Buyer Comment (2025-07-03): Submitted Trust Rider for review. | 07/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| XXX | 2058641 | XXX |  | 34320706 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | PUD Rider is missing in loan file. |  |  |  | Reviewer Comment (2025-07-04): Rider Received. Exception Cleared.<br>Buyer Comment (2025-07-03): Submitted PUD Rider for review. | 07/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| XXX | 2058640 | XXX |  | 34320778 |  |  | 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 (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Purchase | Final CD evidences Cure | A | B | A | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2058640 | XXX |  | 34320779 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject transaction included gift of equity but a mortgage rating cannot be obtained for the open mortgage on the 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'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. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-11): Client elects to waive with comp factors. |  |  | 07/11/2025 | 2 |  | B |  | B |  | B |  | B |  | B |  | XXX | Primary | Purchase |  | A | B | A | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178110 |  |  | 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 (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178111 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated Available for Reserves of [redacted] is less than Guideline Available for Reserves of [redacted] months. |  |  |  | Reviewer Comment (2025-05-30): Cleared. Per guidelines a variance may be allowed but never less than [redacted] months less than program requirements with underwriter justification and compensating factors.<br>Buyer Comment (2025-05-27): 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", the final 1008 provided in the initial shipping package Doc ID [redacted]pages [redacted] & [redacted] denotes this variance, under the Underwriter Comments Continued which states "Reserves: [redacted]. Residual: $[redacted]. [redacted]not [redacted] months reserves. See Comp Factors Below, as well as [redacted] Months current housing payment. Comp Factors: [redacted] Credit Score. [redacted]% DTI. $[redacted]Residual Income.". | 05/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178112 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for [redacted]% Seller Credit with an LTV of [redacted]%. | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-05-27): Client elected to waive exceptions with compensating factors. |  |  | 05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178113 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months required reserves not provided in file. |  |  |  | Reviewer Comment (2025-05-30): Cleared. A variance may be allowed but never less than [redacted] months less than program requirements with underwriter justification<br> and compensating factors<br>Buyer Comment (2025-05-27): 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", the final 1008 provided in the initial shipping package Doc ID [redacted]pages [redacted] & [redacted] denotes this variance, under the Underwriter Comments Continued which states "Reserves: [redacted]. Residual: $[redacted]. [redacted] not [redacted] months reserves. See Comp Factors Below, as well as [redacted] Months current housing payment. Comp Factors: [redacted]Credit Score. [redacted]% DTI. $[redacted]Residual Income.". | 05/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178114 |  |  | 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 required reserves not provided in file. |  |  |  | Reviewer Comment (2025-05-30): Cleared. A variance may be allowed but never less than [redacted] months less than program requirements with underwriter justification<br> and compensating factors<br>Buyer Comment (2025-05-27): 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", the final 1008 provided in the initial shipping package Doc ID [redacted]pages [redacted] & [redacted] denotes this variance, under the Underwriter Comments Continued which states "Reserves: [redacted]. Residual: $[redacted]. [redacted] not [redacted] months reserves. See Comp Factors Below, as well as [redacted] Months current housing payment. Comp Factors: [redacted]Credit Score. [redacted] % DTI. $[redacted]Residual Income.". | 05/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178115 |  |  | 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 exception fired due to insufficient reserve required per guideline. |  |  |  | Reviewer Comment (2025-05-30): Cleared. A variance may be allowed but never less than [redacted] months less than program requirements with underwriter justification<br> and compensating factors<br>Buyer Comment (2025-05-27): 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", the final 1008 provided in the initial shipping package Doc ID [redacted]pages [redacted] & [redacted] denotes this variance, under the Underwriter Comments Continued which states "Reserves: [redacted]. Residual: $[redacted]. [redacted]not [redacted] months reserves. See Comp Factors Below, as well as [redacted] Months current housing payment. Comp Factors: [redacted] Credit Score. [redacted]% DTI. $[redacted]Residual Income.". | 05/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051917 | XXX |  | 34178116 |  |  | 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 required reserves not provided in file. |  |  |  | Reviewer Comment (2025-05-30): Cleared. A variance may be allowed but never less than [redacted] months less than program requirements with underwriter justification<br> and compensating factors<br>Buyer Comment (2025-05-27): 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", the final 1008 provided in the initial shipping package Doc ID [redacted] pages [redacted] & [redacted] denotes this variance, under the Underwriter Comments Continued which states "Reserves: [redacted]. Residual: $[redacted]. [redacted] not [redacted] months reserves. See Comp Factors Below, as well as [redacted] Months current housing payment. Comp Factors: [redacted] Credit Score. [redacted]% DTI. $[redacted]Residual Income.". | 05/30/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| XXX | 2051916 | XXX |  | 34178155 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception request for asset utilization with assets below required $[redacted]MM is approved. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | Decision System: DU / DO<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-06-02): Client elected to waive exceptions with compensating factors. |  |  | 06/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| XXX | 2061174 | XXX |  | 34254095 |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Lender allowed the open charge-off reported on the credit report. | 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]%. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-03): Lender approved exception in file |  |  | 07/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2061174 | XXX |  | 34254096 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-07-16): provided<br>Buyer Comment (2025-07-10): attached | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2061174 | XXX |  | 34254097 |  |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | There is no evidence of an OFAC check in file for the guarantor, [redacted]. |  |  |  | Reviewer Comment (2025-07-16): provided<br>Buyer Comment (2025-07-10): attached | 07/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2051913 | XXX |  | 34178149 |  |  | 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 was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing |  | 05/29/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| XXX | 2051911 | XXX |  | 34178086 |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Credit Score Disclosure missing in file. |  |  |  | Reviewer Comment (2025-05-29): FACTA disclosure received. Exception Cleared.<br>Buyer Comment (2025-05-28): Submitted FACTA Credit Score Disclosures for review. | 05/29/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Primary | Purchase |  | C | B | B | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 2051911 | XXX |  | 34178088 |  |  | 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. | Processing Fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-06-27): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-25): Submitted PCCD, LOE, Check, and Shipping Label for review. |  | 06/27/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 2051911 | XXX |  | 34178089 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for [redacted]% LTV exception on property zoned agricultural. | 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 mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): Client elect to waive with compensating factors. |  |  | 05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Primary | Purchase |  | C | B | B | B | C | B | A | A | Non QM | Non QM | No |
| XXX | 2058639 | XXX |  | 34320673 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | [redacted] due to points and fees: Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the federal total loan amount. |  |  |  | Reviewer Comment (2025-07-07): Received Discount Point worksheet. Condition cleared.<br>Buyer Comment (2025-07-02): This loan is not High-Cost. Your portal reflects inclusion of $[redacted]discount points however it should be reduced by $[redacted] [redacted] fide discount points, see documentation uploaded to trailing docs for review. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058639 | XXX |  | 34320674 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | [redacted] due to points and fees: Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the federal total loan amount. |  |  |  | Reviewer Comment (2025-07-07): Received Discount Point worksheet. Condition cleared.<br>Buyer Comment (2025-07-02): This loan is not High-Cost. Your portal reflects inclusion of $[redacted]discount points however it should be reduced by $[redacted] [redacted] fide discount points, see documentation uploaded to trailing docs for review. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058639 | XXX |  | 34320675 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days. | [redacted] due to points and fees: Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the federal total loan amount. |  |  |  | Reviewer Comment (2025-07-07): Received Discount Point worksheet. Condition cleared.<br>Buyer Comment (2025-07-02): This loan is not High-Cost. Your portal reflects inclusion of $[redacted]discount points however it should be reduced by $[redacted] [redacted]fide discount points, see documentation uploaded to trailing docs for review. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058639 | XXX |  | 34320676 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. | Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the federal total loan amount. |  |  |  | Reviewer Comment (2025-07-07): Received Discount Point worksheet. Condition cleared.<br>Buyer Comment (2025-07-02): This loan is not High-Cost. Your portal reflects inclusion of $[redacted]discount points however it should be reduced by $[redacted] [redacted] fide discount points, see documentation uploaded for review. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058639 | XXX |  | 34320677 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | [redacted] due to points and fees: Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the federal total loan amount. |  |  |  | Reviewer Comment (2025-07-07): Received Discount Point worksheet. Condition cleared.<br>Buyer Comment (2025-07-02): This loan is not High-Cost. Your portal reflects inclusion of $[redacted]discount points however it should be reduced by $[redacted] [redacted] fide discount points, see documentation uploaded to trailing docs for review. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058638 | XXX |  | 34320773 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | File contains evidence of the borrower's receipt of both appraisals, however the appraisal completed by [redacted] Day express was updated with a report date of [redacted]. Evidence of borrower's receipt of this report was not located. |  |  |  | Reviewer Comment (2025-07-15): Received confirmation copy of completed appraisal delivered to borrower, information validated. Exception Cleared.<br>Buyer Comment (2025-07-11): Proof that the revised appraisal report [redacted] was delivered and downloaded by the borrower [redacted] uploaded for review. | 07/15/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Primary | Purchase |  | B | A | A | A | B | A | A | A | Non QM | Non QM | No |
| XXX | 2058636 | XXX |  | 34320682 |  |  | 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]. Cash out was used for reserves and after payoffs were deducted from total cash out, remaining amount is insufficient to cover reserve requirement. No additional asset sources were provided. |  |  |  | Reviewer Comment (2025-07-08): Using business funds for reserves updated 1008 & 1003 received, exception cleared.<br>Buyer Comment (2025-07-07): Submitted updated 1003 and 1008 for review. Borrower's [redacted]business account #[redacted]per the stmt ending [redacted] under doc ID [redacted]has a $[redacted]balance of which borrower is single member per doc ID [redacted]. Cash out of $[redacted]+ $[redacted] business assets = $[redacted]total assets. PITIA = $[redacted]x [redacted]= $[redacted]which meets the reserve requirement. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058636 | XXX |  | 34320684 |  |  | 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]. Cash out was used for reserves and after payoffs were deducted from total cash out, remaining amount is insufficient to cover reserve requirement. No additional asset sources were provided, causing an ATR failure, resulting on a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-07-08): Using business funds for reserves updated 1008 & 1003 received, exception cleared.<br>Buyer Comment (2025-07-07): Submitted updated 1003 and 1008 for review. Borrower's [redacted] business account #[redacted]per the stmt ending [redacted] under doc ID [redacted]has a $[redacted] balance of which borrower is single member per doc ID [redacted]. Cash out of $[redacted]+ $[redacted]business assets = $[redacted] total assets. PITIA = $[redacted]x [redacted] = $[redacted]which meets the reserve requirement. | 07/08/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058636 | XXX |  | 34320685 |  |  | 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]. Cash out was used for reserves and after payoffs were deducted from total cash out, remaining amount is insufficient to cover reserve requirement. No additional asset sources were provided. |  |  |  | Reviewer Comment (2025-07-08): Using business funds for reserves updated 1008 & 1003 received, exception cleared.<br>Buyer Comment (2025-07-07): Submitted updated 1003 and 1008 for review. Borrower's [redacted] business account #[redacted] per the stmt ending [redacted] under doc ID [redacted]has a $[redacted]balance of which borrower is single member per doc ID [redacted]. Cash out of $[redacted]+ $[redacted]business assets = $[redacted]total assets. PITIA = $[redacted]x [redacted] = $[redacted]which meets the reserve requirement. | 07/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2067811 | XXX |  | 34570715 |  |  | 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 cure provided |  |  |  | Reviewer Comment (2025-08-11): [redacted] received valid changed circumstance.<br>Buyer Comment (2025-08-07): Please see attached VCOC | 08/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes |
| XXX | 2061185 | XXX |  | 34254093 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-07-07): Received HUD1 of Simultaneous closing<br>Buyer Comment (2025-07-07): Please see attached note and HUD from simultaneous closing. Borrower cash to close and reserves. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2061185 | XXX |  | 34254094 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file contains a HUD-1 for an REO showing refinance proceeds, which the borrower is using to satisfy cash from borrower and reserve requirements. However, the property is not listed on the initial or final 1003, and the HUD-1 does not show the borrower as the owner of the property, and the refinance happened in [redacted] - Please provide current bank statements showing these funds provided to Borrower and can be used for funds to close/reserves. |  |  |  | Reviewer Comment (2025-07-07): Received HUD1 of Simultaneous closing<br>Buyer Comment (2025-07-07): See trailing docs- Please see attached note and HUD from simultaneous closing. Borrower cash to close and reserves. | 07/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2061181 | XXX |  | 34254088 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | There are no assets provided in file. As per the lender's documentation, the subject transaction is meant to use funds from a simultaneous cash out refinance of another property. Closing documentation from the cash-out refinance is required or the standard [redacted] months bank statements for any other asset is required. |  |  |  | Reviewer Comment (2025-07-18): Received<br>Buyer Comment (2025-07-14): attached op agreement reflecting borr owns company<br>Reviewer Comment (2025-07-08): Received HUD1 from refinance of property, however name on HUD1 does not match borrower, please provide evidence of access to funds<br>Buyer Comment (2025-07-07): ATTACHED | 07/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2061181 | XXX |  | 34254089 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | There are no assets provided in file. As per the lender's documentation, the subject transaction is meant to use funds from a simultaneous cash out refinance of another property. Closing documentation from the cash-out refinance is required or the standard two months bank statements for any other asset is required. |  |  |  | Reviewer Comment (2025-07-18): Received<br>Reviewer Comment (2025-07-08): Received HUD1 from refinance of property, however name on HUD1 does not match borrower, please provide evidence of access to funds<br>Buyer Comment (2025-07-07): ATTACCHED | 07/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2061181 | XXX |  | 34254090 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Received HUD1 from refinance of property, however name on HUD1 does not match borrower, please provide evidence of access to funds |  |  |  | Reviewer Comment (2025-07-18): Received<br>Buyer Comment (2025-07-14): attached | 07/18/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073349 | XXX |  | 34551766 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing |  |  |  | Reviewer Comment (2025-08-27): Cleared with Fraud Report.<br>Buyer Comment (2025-08-25): [redacted]-Please see attached Fraud | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073349 | XXX |  | 34551768 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-08-27): Cleared with Fraud Report.<br>Buyer Comment (2025-08-25): [redacted]-Please see attached Fraud | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073343 | XXX |  | 34551779 |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The Hazard Insurance policy listed Mortgagee as [redacted], and not [redacted]. Please provide an updated insurance policy with the correct lender. |  |  |  | Reviewer Comment (2025-08-27): cleared with HOI.<br>Buyer Comment (2025-08-25): HOI | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073337 | XXX |  | 34551738 |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-08-27): Cleared with Fraud Report.<br>Buyer Comment (2025-08-25): [redacted]-Please see attached Fraud | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073337 | XXX |  | 34551739 |  |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2025-08-27): cleared with Guaranty.<br>Buyer Comment (2025-08-23): [redacted]-Please see attached Guaranty | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073325 | XXX |  | 34551746 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-08-28): cleared with final SS.<br>Buyer Comment (2025-08-26): Final SS attached | 08/28/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XXX | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073322 | XXX |  | 34551709 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for the borrowing entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-27): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-25): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-08-22): Document reflects the last [redacted]Update as[redacted]. Document is dated after closing.<br>Buyer Comment (2025-08-20): [redacted] reported on doc<br>Reviewer Comment (2025-08-19): Need evidence of when the OFAC was pulled.<br>Buyer Comment (2025-08-18): [redacted]-Please see attached OFAC |  |  | 08/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Refinance - Rate/Term |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 2073322 | XXX |  | 34551710 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-08-19): cleared<br>Buyer Comment (2025-08-18): [redacted]-Please see attached [redacted] | 08/19/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XXX | Investment | Refinance - Rate/Term |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 2073321 | XXX |  | 34551824 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is missing. |  |  |  | Reviewer Comment (2025-08-29): cleared with HOI.<br>Buyer Comment (2025-08-27): Attached are both the HOI binder and the RCE that were both included in the original upload of the file. This is not a valid condition - please remove. | 08/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073316 | XXX |  | 34551736 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-08-25): cleared with fraud.<br>Buyer Comment (2025-08-21): Fraud | 08/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073315 | XXX |  | 34551791 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-08-28): Cleared..<br>Buyer Comment (2025-08-26): Please find articles of formation attached. Thank you. | 08/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073315 | XXX |  | 34551792 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-08-28): cleared.<br>Buyer Comment (2025-08-26): Please accept in place of Cert of Good Standing as document reflects same information. Thank you. | 08/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073315 | XXX |  | 34551793 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report missing in loan file. |  |  |  | Reviewer Comment (2025-08-28): Cleared with credit report.<br>Buyer Comment (2025-08-26): Please find credit report attached. Thank you. | 08/28/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073315 | XXX |  | 34551795 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Credit report missing in loan file. |  |  |  | Reviewer Comment (2025-08-28): Cleared with credit report and FICO.<br>Buyer Comment (2025-08-26): Please see credit report attached with [redacted] fico of [redacted]. Thank you. | 08/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073315 | XXX |  | 34551796 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing [redacted] month payment history for primary residence. |  |  |  | Reviewer Comment (2025-08-28): Cleared with credit report.<br>Buyer Comment (2025-08-26): Please find credit report attached reflecting over [redacted]mths history. Thank you. | 08/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073315 | XXX |  | 34551797 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-08-28): Cleared.<br>Buyer Comment (2025-08-26): Please find attached Operating Agreement summary. Thank you. | 08/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073355 | XXX |  | 34551703 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Please provide a copy of the Non-Owner Occupancy Declaration disclosing the use of subject property. |  |  |  | Reviewer Comment (2025-08-18): cleared.<br>Buyer Comment (2025-08-14): Please see the corrected attached Non-Owner Occupancy Declaration<br>Reviewer Comment (2025-08-14): Document provided shows the borrower lives at the subject property address.<br>Buyer Comment (2025-08-12): Please see attached Non-Owner Occupancy Declaration | 08/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073355 | XXX |  | 34551704 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-08-07): Cleared with final HUD<br>Buyer Comment (2025-08-05): Please find HUD-1 attached. Thank you . | 08/07/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073354 | XXX |  | 34551730 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  |  |  | Reviewer Comment (2025-08-25): cleared with updated fraud report.<br>Buyer Comment (2025-08-21): Fraud | 08/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073312 | XXX |  | 34551701 |  |  | 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 (2025-08-06): Cl3ared with title.<br>Buyer Comment (2025-08-02): title | 08/06/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Investment | Purchase |  | B | A | B | A |  |  | A | A |  | N/A | No |
| XXX | 2073310 | XXX |  | 34551808 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-29): Cleared with Final Title. | 08/29/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073310 | XXX |  | 34551809 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-29): Cleared with Final Title.<br>Buyer Comment (2025-08-27): title | 08/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073310 | XXX |  | 34551810 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD-1 or closing statement. |  |  |  | Reviewer Comment (2025-08-29): Cleared with final SS.<br>Buyer Comment (2025-08-27): Final SS | 08/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2071891 | XXX |  | 34551685 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Unable to use bank statement for [redacted]Corp because the file is missing corporate resolution or operating agreement to verify ownership percentage. |  |  |  | Reviewer Comment (2025-08-27): cleared with bylaws.<br>Buyer Comment (2025-08-25): Please find ownership percentage confirmed in bylaws attached. Thank you.<br>Reviewer Comment (2025-08-22): Provide verification of ownership percentage.<br>Buyer Comment (2025-08-21): [redacted]has this been reviewed and cleared? Thank you.<br>Buyer Comment (2025-08-20): Please see attached.<br>Reviewer Comment (2025-08-20): Documents are required for the LLC on the assets. [redacted]Corp.<br>Buyer Comment (2025-08-19): Resolution attached.<br>Buyer Comment (2025-08-19): Operating Agreement.<br>Reviewer Comment (2025-08-18): Operating Agreement for [redacted]not located in file.<br>Buyer Comment (2025-08-14): Please see operating agreement attached.<br>Buyer Comment (2025-08-14): Please see attached. | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2071891 | XXX |  | 34551686 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-08-18): cleared with NOO Cert.<br>Buyer Comment (2025-08-14): Please find attached section[redacted]A completed & signed pg #[redacted]. | 08/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2071891 | XXX |  | 34551687 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Unable to use bank statement for [redacted] Corp because the file is missing corporate resolution or operating agreement to verify ownership percentage. |  |  |  | Reviewer Comment (2025-08-27): cleared with asset ownership verification.<br>Buyer Comment (2025-08-25): Please find ownership percentage of[redacted]% confirmed via bylaws attached. Thank you!<br>Reviewer Comment (2025-08-20): The gift funds are included in the current balance and funds are insufficient.<br>Buyer Comment (2025-08-20): Please see wire gift receipt<br>Buyer Comment (2025-08-19): Please find operating agreement & resolution attached. Thank you. | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2071891 | XXX |  | 34551688 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the Articles of Organization/Formation for [redacted][redacted] LLC. |  |  |  | Reviewer Comment (2025-08-18): cleared with [redacted].<br>Buyer Comment (2025-08-14): Operating Agreement attached. Thank you.<br>Buyer Comment (2025-08-14): Certificate of organization attached. | 08/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2071891 | XXX |  | 34551689 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower is short reserves. Unable to use bank statement for MDR[redacted] Corp because the file is missing corporate resolution or operating agreement to verify ownership percentage. |  |  |  | Reviewer Comment (2025-08-27): Cleared with asset ownership verification.<br>Reviewer Comment (2025-08-20): The gift funds are included in the current balance and funds are insufficient.<br>Buyer Comment (2025-08-20): Please clear as loan is NOT short reserves. Thank you. | 08/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2071891 | XXX |  | 34551690 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Provide evidence of the $[redacted]of gift funds being transferred from donor to title company. ie; copy of the official check or wire verification. |  |  |  | Reviewer Comment (2025-08-20): Cleared with wire receipt.<br>Buyer Comment (2025-08-20): Please find wire gift receipt for $[redacted]K.<br>Buyer Comment (2025-08-19): Please find operating agreement & resolution attached. Thank you.<br>Reviewer Comment (2025-08-18): Guidelines state if funds are not transferred prior to settlement, the lender must document the donor gave the closing agent the gift funds via certified check, cashiers check or wire confirmation.<br>Buyer Comment (2025-08-14): [redacted] PLEASE note per [redacted]guidelines since donor ability provided with [redacted]bank statement wire confirmation to title not required. Thanks. | 08/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073299 | XXX |  | 34551719 |  |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-25): Cleared with fraud report.<br>Buyer Comment (2025-08-21): fraud | 08/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073298 | XXX |  | 34551713 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the date on the provided Certificate of Good Standing. Unable to determine when the document was obtained. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-08-27): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-25): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-08-22): Document is a post closing document and does not clear the exception.<br>Buyer Comment (2025-08-20): bottom right[redacted]<br>Reviewer Comment (2025-08-19): Date is not provided on either document in the file for the COGS.<br>Buyer Comment (2025-08-18): COGS |  |  | 08/27/2025 | 2 | C | B | C | B | C | B | C | B | D | B |  | XXX | Investment | Refinance - Rate/Term |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 2073294 | XXX | XXX | 34551681 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-06-25): clear<br>Buyer Comment (2025-06-23): [redacted] | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073292 | XXX |  | 34551715 |  |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ | Provide evidence of ownership percentage of the borrowing entity. Operating Agreement states [redacted]% of the business is owned by a non Guarantor. Additional conditions may apply. |  |  |  | Reviewer Comment (2025-08-21): cleared with amended [redacted].<br>Buyer Comment (2025-08-19): amendment operating agreement | 08/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073291 | XXX | XXX | 34551680 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | All copies of the HOI policy provided are stamped "sample". Please provide valid HOI for subject property. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): [redacted] | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2073288 | XXX | XXX | 34551667 |  |  | 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 (2025-06-20): PDI received reflecting no damage<br>Buyer Comment (2025-06-18): Disaster Cert uploaded - no damage.<br>Reviewer Comment (2025-06-18): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [redacted] <br> Disaster End Date: [redacted]Disaster Name: [redacted] <br> Disaster Declaration Date: [redacted] | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2073288 | XXX | XXX | 34551669 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted]month pay history from [redacted] and also from the private lender. Both loans being paid off for subject property require a satisfactory pay history. |  |  |  | Reviewer Comment (2025-06-18): Cleared. Note does not stipulate required monthly payments.<br>Buyer Comment (2025-06-16): No payments were due until[redacted]; NO payment history provided.<br>Reviewer Comment (2025-06-16): Provide pay history from [redacted] loan.<br>Buyer Comment (2025-06-12): D[redacted]reports mtg opened [redacted]; D[redacted] - D[redacted] reports mtg payments<br>Buyer Comment (2025-06-12): D[redacted] reports first payment was not due until[redacted]or [redacted]. | 06/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | XXX | Investment | Refinance - Rate/Term |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2071886 | XXX |  | 34551693 |  |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Valuation report dated[redacted]reflects property type as [redacted] Family whereas valuation report dated [redacted] reflects property type as [redacted] family. |  |  |  | Reviewer Comment (2025-08-28): Cleared with updated appraisal.<br>Reviewer Comment (2025-08-28): The appraisal with report date of [redacted] reflects loan as a refinance. This needs to be updated to reflect purchase.<br>Reviewer Comment (2025-08-28): Cleared in error.<br>Reviewer Comment (2025-08-28): Cleared with corrected appraisal.<br>Buyer Comment (2025-08-28): Corrected appraisal uploaded.<br>Buyer Comment (2025-08-28): See updated/corrected appraisal. | 08/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| XXX | 2071886 | XXX |  | 34551694 |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-07-31): Cleared with alert summary.<br>Buyer Comment (2025-07-30): Fraud summary | 07/31/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| XXX | 2071886 | XXX |  | 34551695 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an update to the [redacted]appraisal reflecting the loan as a purchase. Appraisal reflects refinance. |  |  |  | Reviewer Comment (2025-09-04): Cleared in error.<br>Reviewer Comment (2025-09-04): Cleared with corrected appraisal.<br>Buyer Comment (2025-09-02): appraisal<br>Buyer Comment (2025-09-02): revised appraisal reporting purchase | 09/04/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XXX | Investment | Purchase |  | C | A | C | A |  |  | C | A |  | N/A | No |
| XXX | 2071884 | XXX |  | 34344373 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing subject and primary payment history. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-04-03): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-02): exceptions |  |  | 04/03/2025 | 2 | C | B | C | B | C | B | C | B | D | B |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 2071883 | XXX |  | 34344438 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] individuals signed the Guaranty agreement. A Credit application, credit report and fraud report is required for the all persons signing the Guaranty Agreement. Credit document for [redacted]of the guarantors was provided. Provide credit application, credit and fraud reports for the [redacted]nd guarantor. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-04-10): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-08): Lender accepts. Please waive with available compensating factors |  |  | 04/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2071883 | XXX |  | 34344439 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] individuals signed the Guaranty agreement. A Credit application, credit report and fraud report is required for the all persons signing the Guaranty Agreement. Credit document for [redacted] of the guarantors was provided. Provide credit application, credit and fraud reports for the [redacted]st guarantor | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-04-10): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-08): Lender accepts. Please waive with available compensating factors |  |  | 04/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2058690 | XXX |  | 34320657 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-07-01): CDA was provided<br>Seller Comment (2025-06-25): Desk review attached<br> Desk Review [redacted] .pdf (Unclassified) was uploaded | 07/01/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XXX | Primary | Purchase |  | D | A | A | A | B | A | D | A | Non QM | Non QM | No |
| XXX | 2058690 | XXX |  | 34320658 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2025-06-24): Received proof/receipt which confirms copy of appraisal deliver E-mail to borrower from [redacted] business days prior to closing date. Exception Cleared.<br>Seller Comment (2025-06-23): [redacted] appraisal disclosure.pdf (Unclassified) was uploaded | 06/24/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Primary | Purchase |  | D | A | A | A | B | A | D | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320600 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] month Bank Statement income used to qualify. File only contains [redacted] bank statements for account ending in #[redacted] and [redacted] statements for account ending #[redacted]. |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared.<br>Seller Comment (2025-06-18): Please push back. These statements cover [redacted] monthns each. They need to look at about half way into the page "statement Period [redacted]- [redacted]" and not just the "statement date" on the top of the page. We have [redacted] mos for busiess and [redacted] mos for personal<br> [redacted] Assets.pdf (Loan Asset Summary) was referenced | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320601 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [redacted] month Bank Statement income used to qualify. File only contains [redacted] bank statements for account ending in #[redacted] and [redacted] statements for account ending #[redacted]. |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared.<br>Seller Comment (2025-06-18): Please push back. These statements cover [redacted] monthns each. They need to look at about half way into the page "statement Period [redacted]- [redacted]" and not just the "statement date" on the top of the page. We have [redacted] mos for busiess and [redacted] mos for personal<br> [redacted] Assets.pdf (Loan Asset Summary) was referenced | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320602 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | [redacted] month Bank Statement income used to qualify. File only contains [redacted] bank statements for account ending in #[redacted] and [redacted] statements for account ending #[redacted], causing an ATR failure. |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared.<br>Seller Comment (2025-06-18): Please push back. These statements cover [redacted] monthns each. They need to look at about half way into the page "statement Period [redacted]- [redacted]" and not just the "statement date" on the top of the page. We have [redacted] mos for busiess and [redacted] mos for personal<br> [redacted] Assets.pdf (Loan Asset Summary) was referenced | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320605 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared. | 06/20/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320606 |  |  | 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. | [redacted] month Bank Statement income used to qualify. File only contains [redacted] bank statements for account ending in #[redacted] and [redacted] statements for account ending #[redacted], causing an ATR failure, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared.<br>Seller Comment (2025-06-18): Please push back. These statements cover [redacted] monthns each. They need to look at about half way into the page "statement Period [redacted]- [redacted]" and not just the "statement date" on the top of the page. We have [redacted] mos for busiess and [redacted] mos for personal<br> [redacted] Assets.pdf (Loan Asset Summary) was referenced | 06/20/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | XXX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320607 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] month Bank Statement income used to qualify. File only contains [redacted] bank statements for account ending in #[redacted] and [redacted] statements for account ending #[redacted], causing an ATR failure. |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared. | 06/20/2025 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | XXX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058687 | XXX |  | 34320609 |  |  | 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. | [redacted] month Bank Statement income used to qualify. File only contains [redacted] bank statements for account ending in #[redacted] and [redacted] statements for account ending #[redacted], causing an ATR failure. |  |  |  | Reviewer Comment (2025-06-20): Account statements were provided in file, Exception cleared.<br>Seller Comment (2025-06-18): Please push back. These statements cover [redacted] monthns each. They need to look at about half way into the page "statement Period [redacted]- [redacted]" and not just the "statement date" on the top of the page. We have [redacted] mos for busiess and [redacted] mos for personal<br> [redacted] Assets.pdf (Loan Asset Summary) was uploaded | 06/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058686 | XXX |  | 34320655 |  |  | 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. | No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-07-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058686 | XXX |  | 34320656 |  |  | 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 provided at closing. |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | 07/01/2025 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XXX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058679 | XXX |  | 34320768 |  |  | 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. | Lender Credits 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, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-11): [redacted] received valid COC dated [redacted]<br>Seller Comment (2025-07-10): LE and COC<br> [redacted]LE 1.pdf (Loan Estimate) was uploaded | 07/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| XXX | 2058660 | XXX |  | 34320647 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | State disclosure not provided in file. |  |  |  | Reviewer Comment (2025-06-27): Document received.<br>Seller Comment (2025-06-26): SEE ATTACHED<br> [redacted] ANTI PREDATORY LENDING DATABASE PROGRAM.pdf (Unclassified) was uploaded | 06/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Primary | Purchase |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 3**

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| ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/6/2025 11:24:32 AM** | **Run Date - 10/6/2025 11:24:32 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | 1079149 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.670% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073356 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXX | 2073351 | XXX | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2067833 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.440% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2067829 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXX | 2067836 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2067834 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2067821 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2067820 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXX | 2058652 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXX | 2065680 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2051922 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2067837 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| XXX | 2067831 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2067823 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXX | 2067825 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2067824 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.30 |
| XXX | 2067835 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXX | 2067839 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| XXX | 2067822 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| XXX | 2067815 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061179 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2067818 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXX | 2067827 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2067826 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2067819 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2067814 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXX | 2067813 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2067832 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2067812 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| XXX | 2061188 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| XXX | 2067840 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061176 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXX | 2061173 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXX | 2061186 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2067838 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2067828 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061180 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXX | 2058649 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXX | 2065418 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058648 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2058647 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2058646 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058645 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058644 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2051919 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.440% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2051918 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXX | 2058642 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.740% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058641 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2058640 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| XXX | 2051917 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2051916 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061174 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061182 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXX | 2067830 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.920% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2067817 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2051915 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2051914 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2051913 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.650% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2051911 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.820% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058639 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2051907 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058638 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.700% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058637 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 2058636 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXX | 2051906 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2061187 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2067811 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061185 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2061175 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| XXX | 2061181 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2073350 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073349 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073348 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2073347 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073346 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073345 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073344 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073343 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2073339 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXX | 2073337 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073336 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 2073335 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073333 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073332 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| XXX | 2073331 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXX | 2073330 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2073328 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXX | 2073327 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073326 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXX | 2073325 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073357 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073324 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073323 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073322 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073321 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 2073320 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073319 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073318 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073317 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 2073316 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073315 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073355 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073314 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073354 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073313 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073312 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073311 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 2073310 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXX | 2073309 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXX | 2073308 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073306 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073305 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 2071891 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073304 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073303 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073302 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073301 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXX | 2073300 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2073299 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073298 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073297 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 2073296 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXX | 2073295 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 2073294 | XXX | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2073293 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073292 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073291 | XXX | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073290 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2071887 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2073288 | XXX | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2071886 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -34.210% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2071884 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2071883 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2058690 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.00% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2058688 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 999.00 |
| XXX | 2058687 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| XXX | 2058686 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2058680 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | 2058679 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| XXX | 2058677 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXX | 2058660 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2058658 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| XXX | 2051892 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 4**

---

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| ![](image_001.jpg) | ![](image_001.jpg) | ![](image_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/6/2025 11:24:33 AM** | **Run Date - 10/6/2025 11:24:33 AM** | **Run Date - 10/6/2025 11:24:33 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXX | 1079149 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2018<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2016<br> [Borrower - \| Primary Income - Wages]; W-2 - 2015<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2017<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2017 | [Borrower]; 1040 - 2016<br> [Borrower]; Transcripts (1040) - 2016<br> [Borrower]; 1040 - 2015<br> [Borrower]; Transcripts (1040) - 2015<br> [Coborrower]; 1040 - 2016<br> [Coborrower]; Transcripts (1040) - 2016<br> [Coborrower]; 1040 - 2015<br> [Coborrower]; Transcripts (1040) - 2015 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  | 7.625% | 2 | XXX | 2 | 0 | 0 | 2 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | Preliminary | Leasehold |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073356 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073351 | XXX | XXX | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067833 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 240 | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067829 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067836 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 37.50% \| 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: 37.50% \| 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: 37.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 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 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 8.374% | 0 | XXX | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067834 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067821 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067820 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058652 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2065680 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051922 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  | DU |  | ApproveIneligible | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067837 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067831 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 9.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| XXX | 2067823 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067825 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 8.749% | 0 | XXX | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No |
| XXX | 2067824 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 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 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.499% | 0 | XXX | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067835 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067839 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067822 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067815 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | XXX | XXX |  |  | [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]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 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 - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2061179 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| XXX | 2067818 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067827 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.624% | 2 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067826 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.624% | 2 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067819 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067814 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 240 | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067813 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 240 | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067832 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | XXX |  | XXX |  | [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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.40000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.999% | 1 | XXX | 0 | 0 | 0 | 0 | 12 |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067812 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 8.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| XXX | 2061188 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067840 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2061176 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 8.874% | 0 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| XXX | 2061173 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.624% | 0 | XXX | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2061186 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No |
| XXX | 2067838 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Personal | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; 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: 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]; 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 - \| Non-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 - 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: 24]; 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: 24]; 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: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2067828 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | 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 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2061180 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2058649 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| 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: 91.00% \| 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: 91.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2065418 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 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]; 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]; 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]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | Yes |  |  |  |  |  |  |  |  | 360 | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058648 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.999% | 0 | XXX | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  | Resident Alien Card | XXX |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058647 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 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 - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058646 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 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]; Third Party Verification - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058645 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [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]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058644 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.625% | 2 | XXX | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051919 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1996 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  | 240 | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051918 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [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> [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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | Yes | No | 7.375% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058642 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058641 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Deposit Receipt - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.125% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  | 240 | XXX | XXX |  | No |  | XXX |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058640 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051917 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| 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: 91.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 91.00% \| 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: 91.00% \| 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051916 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<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 - 2024<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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  | DU |  | ApproveIneligible | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2061174 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2061182 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067830 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067817 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX |  | XXX |  | [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]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 9.551% | 0 | XXX | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051915 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | XXX |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051914 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 8.334% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  | 60 |  |  |  | 240 | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051913 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051911 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  | DU |  | ApproveIneligible | N/A | No | 7.375% | 0 | XXX | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058639 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | XXX | XXX |  |  | [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]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051907 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058638 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058637 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [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]; CPA Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058636 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 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]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<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 - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051906 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| 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: 51.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 20.00000% \| 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2061187 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2067811 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | 4 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2061185 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2061175 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2061181 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | No | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073350 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073349 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073348 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073347 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073346 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | 240 | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073345 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073344 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073343 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073339 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073337 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073336 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073335 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073333 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073332 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073331 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073330 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073328 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073327 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073326 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073325 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073357 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073324 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.500% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073323 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073322 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073321 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073320 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073319 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073318 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073317 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073316 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073315 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 8.375% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073355 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073314 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  | Non-Employment Income |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073354 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073313 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073312 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073311 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073310 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073309 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073308 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073306 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.999% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073305 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2071891 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073304 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073303 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073302 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073301 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073300 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Asset Depletion]; Other - 2025 |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  | 60 |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073299 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2073298 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073297 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073296 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073295 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | 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 | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073294 | XXX | XXX | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073293 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073292 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073291 | XXX | XXX | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073290 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2071887 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2073288 | XXX | XXX | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2071886 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2071884 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2071883 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2058690 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; 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 - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | 7.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | 27 |  |  |  | Yes | Shares/Stock/Ownership (Co-op) | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058688 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.500% | 2 | XXX | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058687 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 25 | Personal, Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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: 20.00000% \| 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: 20.00000% \| Expense Ratio Source: Third Party Verification \| # 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]; Account Statements - Personal - 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058686 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [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 CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 5 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058680 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX |  | XXX |  | [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]; 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<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 - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.375% | 0 | XXX | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058679 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | Yes | No | 6.875% | 0 | XXX | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  | 60 |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058677 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058660 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| 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: 75.00% \| 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: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 50.00000% \| 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2058658 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 13 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 13 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2051892 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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 - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

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## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.01 Schedule 5**

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| **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/6/2025 11:24:37 AM** | **Run Date - 10/6/2025 11:24:37 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 2073356 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073351 | XXX | XXX |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic |  |  |  |  |  |  |  |  |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067833 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX |  | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 2 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067834 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2067820 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2065680 | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Retired |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067837 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067823 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2067835 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067839 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067822 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067827 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067826 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067819 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067814 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067813 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067832 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | XXX | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067840 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 85.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2061173 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Trustee | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2067828 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2061180 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2058649 | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Employed |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2061174 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2061182 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2067830 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2067817 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity | Unemployed |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2061187 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2061185 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2061175 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2061181 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073350 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073349 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX |  | Long Term | XXX | XXX | Yes | XXX | XXX |  | Long Term | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073348 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 51.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073347 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073346 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073345 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073344 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073343 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073339 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073337 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073336 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073335 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073333 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Retired |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073332 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 80.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073331 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073330 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor |  | Non-Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073328 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073327 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073326 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073325 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Retired |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073357 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 48.50% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073324 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073323 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073322 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 80.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073321 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073320 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 51.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073319 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073318 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073317 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 2-Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Guarantor - Business Entity |  |  |  | XXX |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073316 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073315 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073355 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | Experienced Investor |  | US Citizen | US Citizen | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Retired |  |  | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073314 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06/25/2025 | 800 | Fair Isaac (VER. 2) | 804 | Beacon 5.0 | 791 | FICO Risk Score Classic 04 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073354 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073313 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073312 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | Retired |  |  | XXX | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073311 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073310 | XXX |  |  |  |  |  |  | Yes | No | Short Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Short Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073309 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 80.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073308 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073306 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073305 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2071891 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 51.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073304 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Corp | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Excellent |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073303 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073302 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | Yes |  |  |  | Long Term | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073301 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073300 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073299 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | Yes |  |  |  | Long Term | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073298 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073297 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073296 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual |  |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073295 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073294 | XXX | XXX |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073293 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term |  | XXX | Yes |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 25.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | XXX | Full Recourse | XXX | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  | 50.000% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/09/2025 | 790 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073292 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 81.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073291 | XXX | XXX |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes |  |  |  | Long Term | XXX | XXX | No |  |  |  | Long Term |  | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2073290 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2071887 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2073288 | XXX | XXX |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | Long Term | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2071886 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2071884 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2071883 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No |  |  |  | Long Term |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | LLC | Business Entity |  |  |  | XXX |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 52.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02**

![](ex9902001.jpg)

**NARRATIVE**

**EFMT 2025-NQM5**

**By Canopy Financial Technology Partners LLC on October 8, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](ex9902001.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 Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted from July to August 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of two (2) Loans with an aggregate principal balance of $1,367,500.

**Loan Sampling**

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

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

**Data Integrity**

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

---

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

---

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

![](ex9902001.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

![](ex9902001.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. 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:

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● 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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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;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;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;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.

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, 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***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

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**Due Diligence Grading Criteria**

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

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

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

![](ex9902001.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% (2 loans) have an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (2 loans) of mortgage loans reviewed, and 0.00% (0 loas) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (2 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%, (2 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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

![](ex9902001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &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;**2** | &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;2 | &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;**2** | &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;2 | &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;**2** | &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;2 | &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;**2** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex9902001.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1367500.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1367500.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1367500.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1367500.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1367500.00 |
| &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;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1367500.00** |
| &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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1367500.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1367500.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$850000.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$517500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1367500.00** |

---

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

![](ex9902001.jpg)

**DATA COMPARISON RESULTS**

Of the two (2) mortgage loan files reviewed, two (2) unique loans (100.00% by number) had two (2) tape comparison discrepancies across two (2) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |

---

**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 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2054747 |  |  | xxx A |
| 2064466 |  |  | xxx A |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2054747 |  | 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 |  |  |  |
| 2064466 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 2064466 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 95.29 | 1.04 | 1.049 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 10.31 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 102 | 103 | 104 | 106 | 107 | 108 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# 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 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** |
| 2054747 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | 6.880% |  | No AUS | No | 7.254% |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.10% | 38.10% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| 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 | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.13 | xxx | 42.98 | No | 66.67 | N/A | xxx | xxx | xxx |
| 2064466 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | 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 | 1.049 | 1.04 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.31 | No | 75 | N/A | xxx | xxx | xxx |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 2054747 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 66.67 | 66.67 | xxx | xxx | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.4 | xxx |
| 2064466 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | xxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 2054747 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | 7.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2064466 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.02 Schedule 7**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2054747 |  |  | Note Date | xxx | xxx |  |
| 2064466 |  |  | Property Type | Single Family Detached | Condo |  |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03**

![](ex9903001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2025-NQM5**

**By Clarifii LLC on October 6, 2025**

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 1

![](ex9903001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: <u>Christine.Aug@Clarifii.com</u> | &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 25 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2025-NQM5 transaction. The Loans referenced in this narrative report were reviewed between 07/2025 to 08/2025 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;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;$392000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;24 | &nbsp;&nbsp;96.00% | &nbsp;&nbsp;$8890339.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9282339.00** |

---

The Review consisted of a population of 25 Loans, with an aggregate principal balance of $9,282,339.00.

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

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

**LOAN SAMPLING**

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

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 2

![](ex9903001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &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;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |

---

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 3

![](ex9903001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |

---

**CREDIT UNDERWRITING**

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

● **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

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 4

![](ex9903001.jpg)

● **Credit History** 

Clarifii verified the following items:

– A credit report or alternative credit history as applicable to Loan type is present for each borrower

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **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

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● **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** 

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● **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

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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● **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**

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**

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&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

● 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 or Broker Price Opinion 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.

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;64.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;36.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

---

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.

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 15

![](ex9903001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;68.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;32.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &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;**25** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9282339.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9282339.00** |

---

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 16

![](ex9903001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.00% | &nbsp;&nbsp;$1546644.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;21 | &nbsp;&nbsp;84.00% | &nbsp;&nbsp;$7735695.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9282339.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;12 | &nbsp;&nbsp;48.00% | &nbsp;&nbsp;$4456950.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;13 | &nbsp;&nbsp;52.00% | &nbsp;&nbsp;$4825389.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9282339.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$9282339.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9282339.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.00% | &nbsp;&nbsp;$737750.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;22 | &nbsp;&nbsp;88.00% | &nbsp;&nbsp;$8544589.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**25** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$9282339.00** |

---

**DATA COMPARE RESULTS**

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

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 17

![](ex9903001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;80.95% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;23 | &nbsp;&nbsp;60.87% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;8 | &nbsp;&nbsp;25 | &nbsp;&nbsp;68.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;25 | &nbsp;&nbsp;76.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 18

![](ex9903001.jpg)

&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.

EFMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 19

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 2065591 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2065592 | 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 | 2065593 | 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 | 2065594 | 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 | 2065559 | 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 | 13468.06 | 8.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8295.98 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 2065571 | 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 | 2065586 | 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 | 2065581 | 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 | 2065587 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2065588 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9321.47 | 7.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8451.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 2065607 | 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 | 2065576 | 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 | 2065572 | 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 | 2065609 | 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 | 2065634 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2065635 | 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 | 2065652 | 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 | 2065656 | 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 | 2065575 | 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 | 2065585 | 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 | 2065564 | 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 | 53477.79 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2065562 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2065566 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10403 | 7.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3066.92 | No | Employed |  | No |  | No |  |
| XXXX | 2065589 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10084 | 9.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5083.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 2065672 | 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 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 2**

---

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2065591 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 103.31 | 1 | 0.968 | 2789.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 128.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065592 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 140.16 | 0.84 | 0.713 | 5466.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3900 |  |  |  |  |  |  |  | No | 5.2 | 1 | 1 | N/A | 16.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065593 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1025 |  | N/A |  |  | 2700 | Appraisal - 1025 | No | 57.83 | 1.72 | 1.729 | 1561.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2700 |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 | N/A | 45.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065594 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2750 | Appraisal - 1025 |  | N/A |  |  | 2750 | Appraisal - 1025 | No | 61.66 | 1.62 | 1.622 | 1695.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2750 |  |  |  |  |  |  |  | No | 16 | 1 | 1 | N/A | 5.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065571 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3550 | Appraisal - 1007 |  | N/A |  |  | 3550 | Appraisal - 1007 | No | 124.2 | 0.8 | 0.805 | 4408.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 110.17 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065586 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 168.32 | 0.59 | 0.594 | 4207.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065581 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1000 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 96.27 | 1.03 | 1.039 | 1540.24 | 1000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 1974.47 | 1600 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 82.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065587 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Appraisal - 1007 | No | 98.79 | 1.01 | 1.012 | 1432.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1450 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 3.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2065607 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2000 | Appraisal - 1025 | No | 98.44 | 1.01 | 1.016 | 1968.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.35 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065576 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 124.29 | 0.8 | 0.805 | 4847.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3900 |  |  |  |  |  |  |  | No | 1.7 | 1 | 1 | N/A | 113.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065572 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1725 | Appraisal - 1007 |  | N/A |  |  | 1725 | Appraisal - 1007 | No | 79.6 | 1.25 | 1.256 | 1373.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1725 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 3.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2065609 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3150 | Appraisal - 1025 |  | N/A |  |  | 3150 | Appraisal - 1025 | No | 59.21 | 1.68 | 1.689 | 1865.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.66 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065634 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2793 | Appraisal - 1007 | 2234.4 | Other | 1 |  | 2234.4 | Other | Yes | 112.39 | 0.88 | 0.89 | 2511.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2234.4 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.92 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065635 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3543 | Appraisal - 1007 |  | N/A |  |  | 3543 | Appraisal - 1007 | No | 143.75 | 0.69 | 0.696 | 5093 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3543 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 100.13 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065652 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1025 |  | N/A |  |  | 2500 | Appraisal - 1025 | No | 62.06 | 1.64 | 1.611 | 1551.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2500 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 9.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXX | 2065656 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 129.64 | 0.77 | 0.771 | 2852.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXX | 2065575 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 10191 | Short Term Rent Schedule or Analysis | 8152.8 | Other | 1 |  | 8152.8 | Other | Yes | 99.52 | 1 | 1.005 | 8113.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 0 |  | 8152.8 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 55.23 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065585 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  | N/A |  |  | 1650 | Appraisal - 1007 | No | 87.17 | 1.14 | 1.147 | 1438.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 0.98 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 2065564 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4725 | Appraisal - 1007 |  | N/A |  |  | 4725 | Appraisal - 1007 | No | 153.78 | 1 | 0 | 7265.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 4725 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 16.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065562 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 99.5 | 1 | 1.005 | 2039.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 0 |  | 2050 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 7.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2065672 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1007 |  | N/A |  |  | 5400 | Appraisal - 1007 | No | 128.31 | 0.77 | 0.779 | 6928.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.27 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 2065591 | XXXXX | XXXXX | Qualifying Amortization Term | notePage | 0 | 480 | I/O Note |
| XXXXX | 2065591 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | HUD-1 |
| XXXXX | 2065591 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 128.53 | 86.00 | Verified |
| XXXXX | 2065591 | XXXXX | HMC0001_Post-Close Flow | Calculated DSCR | diligenceFinalLookPage | 0.968 | 1 | Matches lenders approval rounded up |
| XXXXX | 2065592 | XXXXX | HMC0001_Post-Close Flow | Borrower 1 Last Name | notePage | XXXXX | XXXXX | per Note |
| XXXXX | 2065592 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 16.78 | 35.00 | verified assets |
| XXXXX | 2065592 | XXXXX | HMC0001_Post-Close Flow | Calculated DSCR | diligenceFinalLookPage | 0.713 | 0.84 | figure obtained through estimated rent, no leases in file; Qualifying PITI matches tape. |
| XXXXX | 2065593 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per CD |
| XXXXX | 2065594 | XXXXX | HMC0001_Post-Close Flow | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 8631.3 | -141873.39 | per Alta |
| XXXXX | 2065559 | XXXXX | HMC0001_Post-Close Flow | Property Type | propertyValuationPage | Condominium | Detached Condo | per appraisal, subject is a detached condo |
| XXXXX | 2065559 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5276.02 | 5170.13 | HOA fee included in calc |
| XXXXX | 2065559 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 6.77 | 9.00 | Transfers of funds after statement date. |
| XXXXX | 2065571 | XXXXX | HMC0001_Post-Close Flow | Primary Appraised Property Value | propertyValuationPage | XXXXX | XXXXX | appraisal figure matches |
| XXXXX | 2065571 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | per Settlement Statement |
| XXXXX | 2065571 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4408.95 | 4299.95 | HOA added to PITIA |
| XXXXX | 2065571 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 110.17 | 139.00 | reduced balance due to transfers after statement date |
| XXXXX | 2065586 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4207.96 | 3554.96 | HOA dues incl |
| XXXXX | 2065588 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2077.23 | 2054.24 | tape does not show HOA dues |
| XXXXX | 2065588 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.87 | 36.26 | Audit shows lower debts than lenders 1003 reporting |
| XXXXX | 2065607 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 43.35 | 25.00 | Per statements in file |
| XXXXX | 2065576 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Settlement Statement |
| XXXXX | 2065572 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Settlement Statement |
| XXXXX | 2065609 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Reserves Number of Months | assetPage | 9.66 | 9.00 | Per statements in file |
| XXXXX | 2065634 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Settlement Statement |
| XXXXX | 2065634 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2511.14 | 1600.15 | HOA Dues |
| XXXXX | 2065634 | XXXXX | HMC0001_Post-Close Flow | Calculated DSCR | diligenceFinalLookPage | 0.89 | 0.88 | HOA dues |
| XXXXX | 2065635 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per Settlement Statement |
| XXXXX | 2065635 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5093 | 5003.00 | HOA Dues |
| XXXXX | 2065652 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1551.54 | 1515.61 | Audit PITI matches Note/First Pmt Letter. |
| XXXXX | 2065575 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | Per settlement statement |
| XXXXX | 2065564 | XXXXX | HMC0001_Post-Close Flow | Calculated DSCR | diligenceFinalLookPage | 0 | 1 | 12 month bank income program. |
| XXXXX | 2065562 | XXXXX | HMC0001_Post-Close Flow | Qualifying Amortization Term | notePage | 0 | 480 | I/O Note |
| XXXXX | 2065562 | XXXXX | HMC0001_Post-Close Flow | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXXX | XXXXX | per HUD |
| XXXXX | 2065562 | XXXXX | HMC0001_Post-Close Flow | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2039.68 | 2035.51 | HOA dues incl |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXX | 2065591 | XXXXX | XXXXX D A |
| XXXXX | 2065592 | XXXXX | XXXXX D A |
| XXXXX | 2065593 | XXXXX | XXXXX A |
| XXXXX | 2065594 | XXXXX | XXXXX A |
| XXXXX | 2065559 | XXXXX | XXXXX C A |
| XXXXX | 2065571 | XXXXX | XXXXX A |
| XXXXX | 2065586 | XXXXX | XXXXX D A |
| XXXXX | 2065581 | XXXXX | XXXXX D A B |
| XXXXX | 2065587 | XXXXX | XXXXX A |
| XXXXX | 2065588 | XXXXX | XXXXX D C A B |
| XXXXX | 2065607 | XXXXX | XXXXX A D |
| XXXXX | 2065576 | XXXXX | XXXXX D A B |
| XXXXX | 2065572 | XXXXX | XXXXX B A |
| XXXXX | 2065609 | XXXXX | XXXXX C A |
| XXXXX | 2065634 | XXXXX | XXXXX D A B |
| XXXXX | 2065635 | XXXXX | XXXXX A |
| XXXXX | 2065652 | XXXXX | XXXXX C A |
| XXXXX | 2065656 | XXXXX | XXXXX D A |
| XXXXX | 2065575 | XXXXX | XXXXX C A D B |
| XXXXX | 2065585 | XXXXX | XXXXX C A |
| XXXXX | 2065564 | XXXXX | XXXXX D A B |
| XXXXX | 2065562 | XXXXX | XXXXX C A D |
| XXXXX | 2065566 | XXXXX | XXXXX D A B |
| XXXXX | 2065589 | XXXXX | XXXXX C B A |
| XXXXX | 2065672 | XXXXX | XXXXX C A |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2065591 | XXXX D A | Closed | FCRE1164 | 2025-07-02 15:24 | 2025-07-09 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received flood insurance. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Flood policy provided, please clear finding. - Seller-07/08/2025 <br> Open-Missing Flood Insurance Policy No Flood Insurance was provided. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Flood policy provided, please clear finding. - Seller-07/08/2025<br>| Resolved-Received flood insurance. - Due Diligence Vendor-07/09/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 719 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4642335 |
| XXXX | 2065591 | XXXX D A | Closed | FCRE1510 | 2025-07-02 11:53 | 2025-07-09 16:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-07/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal description - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-07/08/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/09/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br> Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 719 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4632912 |
| XXXX | 2065592 | XXXX D A | Closed | FCRE0043 | 2025-07-02 17:29 | 2025-07-09 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. DSCR calculation provided, please clear finding. - Seller-07/08/2025 | Ready for Review-Document Uploaded. DSCR calculation provided, please clear finding. - Seller-07/08/2025<br>| Resolved-Received DSCR calculation. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - 6 months required, 16.78 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, 750 verified |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4644137 |
| XXXX | 2065592 | XXXX D A | Closed | FCRE7011 | 2025-07-02 15:28 | 2025-07-09 16:18 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Receive rent-loss coverage amount. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Income loss for rental coverage listed on page 2, please clear finding. - Seller-07/08/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. Rent loss was not identified on the homeowners policy page 458 and 459. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Income loss for rental coverage listed on page 2, please clear finding. - Seller-07/08/2025<br>| Resolved-Receive rent-loss coverage amount. - Due Diligence Vendor-07/09/2025<br>| Months Reserves exceed minimum required - 6 months required, 16.78 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, 750 verified |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4642373 |
| XXXX | 2065593 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2065594 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2065559 | XXXX C A | Closed | FCRE1509 | 2025-07-07 07:27 | 2025-08-01 09:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note and proof sent to borrower reflecting NMLS for originator. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please find attached LOE explaining missing originator NMLS to borrower as well as copy of corrected note which includes the NMLS number as well as label to evidence delivery to borrower. Please clear finding. - Seller-07/31/2025 <br> Open-There are Issues Present on the Note that must be addressed. ----- Note does not provide NMLS number for Originator: XXXX - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please find attached LOE explaining missing originator NMLS to borrower as well as copy of corrected note which includes the NMLS number as well as label to evidence delivery to borrower. Please clear finding. - Seller-07/31/2025<br>| Resolved-Received corrected Note and proof sent to borrower reflecting NMLS for originator. - Due Diligence Vendor-08/01/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 700 Fico required, subject 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4673805 |
| XXXX | 2065559 | XXXX C A | Closed | FCRE1510 | 2025-07-07 07:27 | 2025-08-01 09:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Scriveners error affidavit to correct NMLS - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please find attached executed scrivener's affidavit correcting missing originator NMLS. Please clear finding. - Seller-07/31/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Deed of Trust does not provide NMLS number for Originator: XXXX - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please find attached executed scrivener's affidavit correcting missing originator NMLS. Please clear finding. - Seller-07/31/2025<br>| Resolved-Received Scriveners error affidavit to correct NMLS - Due Diligence Vendor-08/01/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 700 Fico required, subject 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4673803 |
| XXXX | 2065559 | XXXX C A | Closed | finding-3634 | 2025-07-07 09:24 | 2025-07-14 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC 6/24/2025. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-07/11/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $275.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------ Zero (0%) tolerance fees increased by $275 (Appraisal Re-Inspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $275, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-07/11/2025<br>| Resolved-Received COC 6/24/2025. - Due Diligence Vendor-07/14/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 700 Fico required, subject 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4675020 |
| XXXX | 2065559 | XXXX C A | Closed | finding-3540 | 2025-07-07 09:24 | 2025-07-14 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Timing requirement met - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-07/11/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ---- Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX- Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. COC provided, please clear finding. - Seller-07/11/2025<br>| Resolved-Timing requirement met - Due Diligence Vendor-07/14/2025<br>| LTV is less than guideline maximum - 90% allowed, subject 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 700 Fico required, subject 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4675018 |
| XXXX | 2065571 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2065586 | XXXX D A | Closed | FPRO1255 | 2025-07-08 13:43 | 2025-07-18 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire provided, please clear finding. - Seller-07/12/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. HOA questionnaire provided, please clear finding. - Seller-07/12/2025<br>| Resolved-Received HOA Questionnaire. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 8.32 months reserves exceed required 3 by 5.32 months<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 725 is higher than the required 620 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4734997 |
| XXXX | 2065581 | XXXX D B A | Closed | FCRE0700 | 2025-07-07 12:23 | 2025-07-28 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. uploaded the SS - Seller-07/24/2025 <br>Counter-Review did not receive upload for 7/15-please re upload. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-PLEASE FIND THE FINAL SS - Seller-07/15/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Unable to test. Additional Findings may apply upon receipt. No other CD with the settlement or disbursement date - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. uploaded the SS - Seller-07/24/2025 <br>Ready for Review-PLEASE FIND THE FINAL SS - Seller-07/15/2025<br>| Resolved-Received Final Settlement Statement. - Due Diligence Vendor-07/28/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 30 months <br>Months Reserves exceed minimum required - 82.93 months reserves exceed required 6 by 76.93 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4690761 |
| XXXX | 2065581 | XXXX D B A | Closed | FCRE0068 | 2025-07-09 07:54 | 2025-07-16 15:57 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver Minimum equity remaining <$40,000– wavier applied with reviewed compfactors - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. credit exception uploaded - Seller-07/15/2025 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Minimum Equity Requirement $40,000 has not been met - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. credit exception uploaded - Seller-07/15/2025<br>| Waived-Originator provided a waiver Minimum equity remaining <$40,000– wavier applied with reviewed compfactors - Due Diligence Vendor-07/16/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 30 months <br>Months Reserves exceed minimum required - 82.93 months reserves exceed required 6 by 76.93 months | Reserves: 76 months>6months required<br> On time mortgage rating: 0x30 for 30 months. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4745792 |
| XXXX | 2065581 | XXXX D B A | Closed | FPRO1253 | 2025-07-09 07:54 | 2025-07-16 15:54 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Received secondary valuation. - Due Diligence Vendor-07/16/2025 <br>Open-Additional valuation product has not been provided. No secondary valuation was provided - Due Diligence Vendor-07/09/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-07/16/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 30 months <br>Months Reserves exceed minimum required - 82.93 months reserves exceed required 6 by 76.93 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4745793 |
| XXXX | 2065581 | XXXX D B A | Closed | FCRE1510 | 2025-07-07 12:07 | 2025-07-16 15:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. please find the dot w legal - Seller-07/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. legal description missing - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. please find the dot w legal - Seller-07/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/16/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 30 months <br>Months Reserves exceed minimum required - 82.93 months reserves exceed required 6 by 76.93 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4690506 |
| XXXX | 2065587 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 2065588 | XXXX D B A C | Closed | finding-3652 | 2025-07-08 13:48 | 2025-07-30 08:21 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received PCCD 7/28/2025, copy of check, LOX and evidence of receipt. Finding cured - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. please find the check, loe, pccd and XXXX. please clear. - Seller-07/28/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($50.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($594.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $594.50 to $50.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $544.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. please find the check, loe, pccd and XXXX. please clear. - Seller-07/28/2025 | Cured-Received PCCD 7/28/2025, copy of check, LOX and evidence of receipt. Finding cured - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90%<br>Qualifying DTI below maximum allowed - DTI 33.87% is lower than allowable 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4735129 |
| XXXX | 2065588 | XXXX D B A C | Closed | FCRE8887 | 2025-07-10 14:51 | 2025-07-17 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received correct signed Final 1003. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. please find the corrected 1003 matching cpa letter. - Seller-07/16/2025 <br>Open-Missing a full two year employment history - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. please find the corrected 1003 matching cpa letter. - Seller-07/16/2025<br>| Resolved-Received correct signed Final 1003. - Due Diligence Vendor-07/17/2025<br>| LTV is less than guideline maximum - LTV 80% is lower than maximum 90%<br>Qualifying DTI below maximum allowed - DTI 33.87% is lower than allowable 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4770935 |
| XXXX | 2065607 | XXXX D A | Closed | FPRO1253 | 2025-07-10 11:25 | 2025-07-18 15:58 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. pleaser find the DVR - Seller-07/15/2025 <br>Open-Additional valuation product has not been provided. Provide the required secondary valuation since the property is a 2-4 unit and no score on the CU - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. pleaser find the DVR - Seller-07/15/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 43.35 months reserves exceed required 3 by 40.35 months<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 66 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 768 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4766322 |
| XXXX | 2065576 | XXXX D B A | Closed | FCRE1164 | 2025-07-10 13:31 | 2025-07-16 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received flood insurance. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. flood ins uploaded - Seller-07/15/2025 <br>Open-Missing Flood Insurance Policy Provide the required Flood Insurance since no flood insurance was provided - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. flood ins uploaded - Seller-07/15/2025<br>| Resolved-Received flood insurance. - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - 113.71 months reserves exceed required 6 by 107.71 months<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4769220 |
| XXXX | 2065576 | XXXX D B A | Closed | FCRE1492 | 2025-07-10 13:41 | 2025-07-10 15:58 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash out is exceeding $500,000 on 70% LTV. Originator exception granted and in file. <br> Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/10/2025 |  | Waived-Cash out is exceeding $500,000 on 70% LTV. Originator exception granted and in file. <br> Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-07/10/2025<br>| Months Reserves exceed minimum required - 113.71 months reserves exceed required 6 by 107.71 months<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 80% | LTV/CLTV%70/70<br> FICO 755<br> # OF TRADELINES 21<br> Years of monthly payments 15<br> years at present address 3 owns primary free and clear<br> # of months 0x30 payments never any derog on any tradelines<br> Benefits to borrower recouping 2 years of rehab |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4769453 |
| XXXX | 2065572 | XXXX B A | Closed | FCRE0068 | 2025-07-11 10:09 | 2025-07-11 13:15 | Waived | 2 - Non-Material B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Remaining equity is less than $40,000 which does not meet guideline requirement. Min equity will remain at $35,000 after loan closing. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/11/2025 |  | Waived-Remaining equity is less than $40,000 which does not meet guideline requirement. Min equity will remain at $35,000 after loan closing. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/11/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 15 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 700 | FICO 757<br> # of tradelines 38<br> Year at present address 4<br> # of months 0x30 never <br> Benefits to borrower Refinancing out of hard money loan |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4780043 |
| XXXX | 2065609 | XXXX C A | Closed | FCRE1479 | 2025-07-14 10:07 | 2025-07-18 13:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-After further review, the funding to close need to be seasoned 10 days - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Using the XXXX account for the 3 months reserves which is sufficient per our guidelines, >65% to 80% LTV • 3 months PITI. Please clear finding. - Seller-07/16/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements The only verification of assets identified in the file was a print out from XXXX covering 5/23/2025 to 5/30/2025. The borrower's name was not identified on the print out. Per the applicable guidelines a verification of deposit or a copy of the borrower's most recent bank statement may be used to verify deposit accounts. The provided documentation does not meet the minimum standard required. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Using the XXXX account for the 3 months reserves which is sufficient per our guidelines, >65% to 80% LTV • 3 months PITI. Please clear finding. - Seller-07/16/2025 | Resolved-After further review, the funding to close need to be seasoned 10 days - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 score required, 727 verified<br>DSCR % greater than 1.20 - DSCR 1.582 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4803304 |
| XXXX | 2065609 | XXXX C A | Closed | FCRE1198 | 2025-07-14 10:25 | 2025-07-18 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received stock account for reserves - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. Using the XXXX account for the 3 months reserves which is sufficient per our guidelines, >65% to 80% LTV • 3 months PITI. Please clear finding. - Seller-07/16/2025 <br> Open-Audited Reserves of 4.14 month(s) are less than Guideline Required Reserves of 6 month(s) The assets provided were not sufficient for reserves and were incomplete. An additional account was identified on the final application but no verification of this account was identified in the file. Full verification of the 2 asset accounts identified on the final application is required. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Using the XXXX account for the 3 months reserves which is sufficient per our guidelines, >65% to 80% LTV • 3 months PITI. Please clear finding. - Seller-07/16/2025 | Resolved-Received stock account for reserves - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 score required, 727 verified<br>DSCR % greater than 1.20 - DSCR 1.582 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4803729 |
| XXXX | 2065609 | XXXX C A | Closed | FCRE0360 | 2025-07-14 09:48 | 2025-07-17 17:15 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received verification of April payment made. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Payment history provided, shows April payment was made. Please clear finding. - Seller-07/16/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A XXXX is reporting on the credit report with payment history up through 3/2025. A payoff dated XXXX shows the loan next due on 6/22/2025 indicating the 5/22/2025 was made on time. No verification of the 4/22/2025 payment was identified in the file. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Payment history provided, shows April payment was made. Please clear finding. - Seller-07/16/2025<br>| Resolved-Received verification of April payment made. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 score required, 727 verified<br>DSCR % greater than 1.20 - DSCR 1.582 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4802748 |
| XXXX | 2065634 | XXXX D B A | Closed | FCRE1194 | 2025-07-31 15:09 | 2025-07-31 15:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. 5% LTV exception. - Due Diligence Vendor-07/31/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-07/31/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. 5% LTV exception. - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 806 is higher than the required 640<br>Months Reserves exceed minimum required - 32.92 months reserves exceed required 6 by 26.92 months | 32 months of reserves<br> 806 fico<br> 0x30x200 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5012704 |
| XXXX | 2065634 | XXXX D B A | Closed | FPRO1255 | 2025-07-14 09:06 | 2025-07-31 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. please find the HOA cert - Seller-07/17/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. No Condo Questionnaire was provided - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. please find the HOA cert - Seller-07/17/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-07/21/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 806 is higher than the required 640<br>Months Reserves exceed minimum required - 32.92 months reserves exceed required 6 by 26.92 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4802113 |
| XXXX | 2065634 | XXXX D B A | Closed | FCRE0116 | 2025-07-14 09:39 | 2025-07-30 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Condo classification provided. - Due Diligence Vendor-07/30/2025 <br>Counter-1008 provided does not disclose the Project Classification - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. please find 1008 for review. - Seller-07/25/2025 <br>Counter-Received HOA questionnaire-missing originators condo type-1008 confirming type. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. cert uploaded. - Seller-07/17/2025 <br>Open-Non - warrantably to be determined once questionnaire is received.. additional conditions may apply. 1%;There is Commercial space which is less than 1% of total usage. This includes a check-in desk, lobby, offices, arcade, laundry, store and restaurant and may be a condotel. - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. please find 1008 for review. - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. cert uploaded. - Seller-07/17/2025<br>| Resolved-Condo classification provided. - Due Diligence Vendor-07/30/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 806 is higher than the required 640<br>Months Reserves exceed minimum required - 32.92 months reserves exceed required 6 by 26.92 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4802555 |
| XXXX | 2065635 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2065652 | XXXX C A | Closed | FCRE0104 | 2025-07-14 11:05 | 2025-08-08 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-After further review, the prepay terms for XX are acceptable. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-The XX statute which restricts the maximum PPP allowable (XXXX) is part of the Mortgage Licensing and Regulation Act. That Act does not apply to business purpose loans. Per XXXX which provides applicable definitions and scope for XXXX, "(15) "Mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on residential real property or any loan primarily for personal, family, or household use that is secured by collateral that has a mortgage lien interest in residential real property;" This loan is for business purpose, not "personal, family, or household use" and is therefore not restricted to the tiered prepayment penalty. The 5% prepayment penalty is allowed. Please clear finding. <br> - Seller-08/08/2025 <br> Counter-Documentation received is insufficient-finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-DISAGREE: This a business purpose loan and thus not subject to the PPP restrictions of XXXX. Please clear finding. - Seller-07/25/2025 <br> Open-Prepayment Penalty is not allowed. The prepayment penalty is 5%. Per the state restrictions the maximum XXXX prepayment penalty is 3%,2%,1% - Due Diligence Vendor-07/14/2025 | Ready for Review-The XX statute which restricts the maximum PPP allowable (XXXX) is part of the Mortgage Licensing and Regulation Act. That Act does not apply to business purpose loans. Per XXXX which provides applicable definitions and scope for XXXX, "(15) "Mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on residential real property or any loan primarily for personal, family, or household use that is secured by collateral that has a mortgage lien interest in residential real property;" This loan is for business purpose, not "personal, family, or household use" and is therefore not restricted to the tiered prepayment penalty. The 5% prepayment penalty is allowed. Please clear finding. <br> - Seller-08/08/2025 Ready for Review-DISAGREE: This a business purpose loan and thus not subject to the PPP restrictions of XXXX. Please clear finding. - Seller-07/25/2025 | Resolved-After further review, the prepay terms for XX are acceptable. - Due Diligence Vendor-08/08/2025 | DSCR % greater than 1.20 - DSCR % is 1.611<br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 789 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4804555 |
| XXXX | 2065656 | XXXX D A | Closed | FCRE8700 | 2025-07-14 16:45 | 2025-07-21 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-XXXX does not require the EIN number for loans. please clear. - Seller-07/17/2025 <br> Open-Missing EIN # - Due Diligence Vendor-07/14/2025 | Ready for Review-XXXX does not require the EIN number for loans. please clear. - Seller-07/17/2025 | Resolved-Upon further review, the loan file contained all required vested entity documentation. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 score required, subject 704. <br>Months Reserves exceed minimum required - 6 months required, subject 9 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4811764 |
| XXXX | 2065656 | XXXX D A | Closed | FCRE1241 | 2025-07-14 14:31 | 2025-07-21 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received complete ratified contract. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. please find the PC for review. - Seller-07/17/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. There are two addendums to the purchase contract but the contract was not identified in the file. Data was taken from settlement statement - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. please find the PC for review. - Seller-07/17/2025<br>| Resolved-Received complete ratified contract. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 score required, subject 704. <br>Months Reserves exceed minimum required - 6 months required, subject 9 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4809267 |
| XXXX | 2065656 | XXXX D A | Closed | FCRE1510 | 2025-07-11 12:54 | 2025-07-21 16:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. DOT w legal - Seller-07/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. DOT w legal - Seller-07/17/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 score required, subject 704. <br>Months Reserves exceed minimum required - 6 months required, subject 9 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4788331 |
| XXXX | 2065575 | XXXX D B C A | Closed | FCRE0360 | 2025-07-15 13:19 | 2025-08-06 13:17 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Originator waiver applied to non material finding with compensating factors. Exception to accept 8 months of cancelled checks plus the VOM. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please find proof of VOM for 8 months and a VOM and a LOE. Also attached is a credit exception for missing 4 months. Please review and clear finding. - Seller-08/06/2025 <br>Counter-Received rebuttal-VOM was completed by Non Institutional Lender-finding remains. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. VOm in file is being made and accepted by the servicer of the trust so that is not a private company and per guides the VOM is correct. please find the attached. - Seller-07/28/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject Property VOM is Private Party - per guidelines 6.10 (b) - Private Party/Non-Institutional Lender - Requires that the mortgage history be documented with twelve (12) months cancelled checks front and back. If paid by cashiers or postal checks, copies of the past twelve (12) months are required. Receipts for cash payments are generally not acceptable. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Please find proof of VOM for 8 months and a VOM and a LOE. Also attached is a credit exception for missing 4 months. Please review and clear finding. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. VOm in file is being made and accepted by the servicer of the trust so that is not a private company and per guides the VOM is correct. please find the attached. - Seller-07/28/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to accept 8 months of cancelled checks plus the VOM. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 660<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% | 65% LTV<br> 770 fico | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4823858 |
| XXXX | 2065575 | XXXX D B C A | Closed | FCRE1254 | 2025-07-15 13:27 | 2025-07-29 12:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received recorded executed warranty deed. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Please find the executed warranty deed. - Seller-07/28/2025 <br>Open-Property Title Issue Title is currently vested in Borrower's LLC - file is missing Fully Executed Quit-Claim Deed from LLC to the Trust. Quit-Claim in file is NOT Fully Executed. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Please find the executed warranty deed. - Seller-07/28/2025<br>| Resolved-Received recorded executed warranty deed. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 660<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4824022 |
| XXXX | 2065575 | XXXX D B C A | Closed | FPRO1253 | 2025-07-15 13:41 | 2025-07-25 14:46 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. dvr uploaded for review. - Seller-07/23/2025 <br>Open-CU Score = 3.3, above 2.5. There are no other Secondary Valuation Products - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. dvr uploaded for review. - Seller-07/23/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 660<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4824338 |
| XXXX | 2065575 | XXXX D B C A | Closed | FCRE1510 | 2025-07-12 06:58 | 2025-07-25 14:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. please find dot w legal on last page. - Seller-07/23/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. please find dot w legal on last page. - Seller-07/23/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 770 is higher than the required 660<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4796064 |
| XXXX | 2065585 | XXXX C A | Closed | FCRE8701 | 2025-07-17 11:12 | 2025-07-22 15:01 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review, the loan file contained all required signature documentation. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Borrower is a person, not an entity. Please clear finding. - Seller-07/18/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Missing Business Entity Formation Document - Due Diligence Vendor-07/17/2025 | Ready for Review-Borrower is a person, not an entity. Please clear finding. - Seller-07/18/2025<br>| Resolved-Upon further review, the loan file contained all required signature documentation. - Due Diligence Vendor-07/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 695<br>LTV is less than guideline maximum - 70 allowed, subject 55.5 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4851929 |
| XXXX | 2065564 | XXXX D B A | Closed | FCRE1194 | 2025-07-16 12:00 | 2025-07-31 17:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV. Non-material waiver applied to finding with compensating factors. Non-material 5% finding. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Credit exception provided to go the 2nd approval, please clear finding. - Seller-07/29/2025 <br> Counter-Screen shot provided, however we are missing 2 signature from the UW managers. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Approval provided, please clear finding. - Seller-07/28/2025 <br> Counter-Received itemized improvement list-missing 2nd signature required by UW managers for: All LTVs equal to or greater than 75% on a cash out refinance - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. List of improvements provided - sale price XXXX plus improvements XXXX 80 LTV is less, please clear finding. - Seller-07/18/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75%. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Credit exception provided to go the 2nd approval, please clear finding. - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. Approval provided, please clear finding. - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. List of improvements provided - sale price XXXX plus improvements XXXX 80 LTV is less, please clear finding. - Seller-07/18/2025 | Waived-Originator exception granted to allow LTV. Non-material waiver applied to finding with compensating factors. Non-material 5% finding. - Due Diligence Vendor-07/31/2025<br>| Qualifying DTI below maximum allowed - DTI 14.25% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.16 months reserves exceed required 6 by 10.16 months | 10 months reserves<br> 14.58 DTI<br> 716 FICO | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4836894 |
| XXXX | 2065564 | XXXX D B A | Closed | FCRE7497 | 2025-07-16 11:34 | 2025-07-28 17:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documentation to support XXXX and XXXX are in the name of an LLC. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. XXXX and XXXX owned by the LLC, requested information is not necessary, The mortgage statement shows tax and insurance included in payment. Please clear finding. - Seller-07/25/2025 <br> Open-Missing proof of ownership for the REOs for XXXX AND XXXX. The 1003 is reporting REOs, but no taxes, Insurance, or mortgage documents (if applicable) provided. Missing hazard insurance for property XXXX - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. XXXX and XXXX owned by the LLC, requested information is not necessary, The mortgage statement shows tax and insurance included in payment. Please clear finding. - Seller-07/25/2025 | Resolved-Received documentation to support XXXX and XXXX are in the name of an LLC. - Due Diligence Vendor-07/28/2025 | Qualifying DTI below maximum allowed - DTI 14.25% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.16 months reserves exceed required 6 by 10.16 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4836364 |
| XXXX | 2065564 | XXXX D B A | Closed | FCRE1492 | 2025-07-17 10:34 | 2025-07-21 16:29 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received documented improvements confirming LTV - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. List of improvements provided - sale price XXXX plus improvements XXXX 80 LTV is less, please clear finding. - Seller-07/18/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Seasoning requirement not met. If the property was purchased over 6 months but less than 12 months ago, the loan amount will be limited to the purchase price plus documented improvements and new loan fees or 80% LTV of the appraised value, whichever is less; or if improvements cannot be documented, the maximum LTV is 75% of the appraised value. Missing documented improvements - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. List of improvements provided - sale priceXXXX plus improvements XXXX 80 LTV is less, please clear finding. - Seller-07/18/2025 | Resolved-Received documented improvements confirming LTV - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - DTI 14.25% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.16 months reserves exceed required 6 by 10.16 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4851111 |
| XXXX | 2065564 | XXXX D B A | Closed | FCRE7009 | 2025-07-16 11:24 | 2025-07-21 16:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received declaration confirming sufficient coverage. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Coverage is XXXX, noted as replace cost, this is sufficient. Please clear finding. - Seller-07/18/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide a RCE to support the Insufficient Coverage - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Coverage is XXXX, noted as replace cost, this is sufficient. Please clear finding. - Seller-07/18/2025 | Resolved-Received declaration confirming sufficient coverage. - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - DTI 14.25% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.16 months reserves exceed required 6 by 10.16 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4836099 |
| XXXX | 2065564 | XXXX D B A | Closed | FCRE1510 | 2025-07-16 10:17 | 2025-07-21 16:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-07/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal to the mortgage - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-07/18/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - DTI 14.25% is lower than allowable 50%<br>Months Reserves exceed minimum required - 16.16 months reserves exceed required 6 by 10.16 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4833926 |
| XXXX | 2065562 | XXXX D A C | Closed | FPRO1253 | 2025-07-16 12:41 | 2025-07-28 17:11 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU score of 2.2 - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. please find the cu - Seller-07/24/2025 <br>Open-Additional valuation product has not been provided. No other secondary value was provided and a secondary valuation is required. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. please find the cu - Seller-07/24/2025<br>| Resolved-Received SSR with a CU score of 2.2 - Due Diligence Vendor-07/28/2025<br>| Months Reserves exceed minimum required - 7.49 months reserves exceed required 3 by 4.49 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 676 is higher than the required 620 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4837825 |
| XXXX | 2065562 | XXXX D A C | Closed | FCRE1510 | 2025-07-16 12:23 | 2025-07-28 17:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. please find the dot with legal on last page - Seller-07/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the Mortgage - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. please find the dot with legal on last page - Seller-07/24/2025<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-07/28/2025<br>| Months Reserves exceed minimum required - 7.49 months reserves exceed required 3 by 4.49 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 676 is higher than the required 620 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4837331 |
| XXXX | 2065566 | XXXX D B A | Closed | FCOM1227 | 2025-07-16 14:08 | 2025-08-05 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received complete security instrument with PUD Rider. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Mortgage with PUD rider provided, please clear finding. - Seller-08/04/2025 <br>Open-PUD Rider is Missing The PUD rider was not identified in the file. Additionally, the mortgage does not identify that a PUD rider was utilized. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Mortgage with PUD rider provided, please clear finding. - Seller-08/04/2025<br>| Resolved-Received complete security instrument with PUD Rider. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 697 FICO > 660 minimum required.<br>Months Reserves exceed minimum required - Guideline Months Reserves required 6: Qualifying Total Reserves Number of Months 21.53 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4839796 |
| XXXX | 2065566 | XXXX D B A | Closed | FCRE1193 | 2025-07-16 16:24 | 2025-07-31 18:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator exception granted to allow DTI of 52.31%. Non-material waiver applied to finding with compensating factors. < 55% DTI - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Form provided, please clear finding. - Seller-07/30/2025 <br>Counter-Please provide complete exception approval inclusive of DTI and residual income with compensating factors. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-Document Uploaded. Credit exception granted for disposal income being short, please clear finding. - Seller-07/25/2025 <br>Open-Audited DTI of 52.31% exceeds Guideline DTI of 50% per the applicable guidelines 55% DTI is allowed with $4,000 disposable income. The disposable income was $3,066. No exception for the DTI was identified. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. Form provided, please clear finding. - Seller-07/30/2025 <br>Ready for Review-Document Uploaded. Credit exception granted for disposal income being short, please clear finding. - Seller-07/25/2025<br>| Waived-Originator exception granted to allow DTI of 52.31%. Non-material waiver applied to finding with compensating factors. < 55% DTI - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 697 FICO > 660 minimum required.<br>Months Reserves exceed minimum required - Guideline Months Reserves required 6: Qualifying Total Reserves Number of Months 21.53 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4842670 |
| XXXX | 2065589 | XXXX C B A | Closed | FCRE1510 | 2025-07-15 12:54 | 2025-07-24 17:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Copy of recorded instrument with all pages provided, please clear finding. - Seller-07/23/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Deed of Trust is missing pages 21 and 22. - Due Diligence Vendor-07/15/2025 | Ready for Review-Copy of recorded instrument with all pages provided, please clear finding. - Seller-07/23/2025<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower has lived at residence 11 years. <br>Months Reserves exceed minimum required - 0 months required, subject 4.57 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4823319 |
| XXXX | 2065589 | XXXX C B A | Closed | FCRE1118 | 2025-07-15 12:54 | 2025-07-24 17:00 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Received all pages of the Security Instrument. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Copy of recorded instrument with all pages provided, please clear finding. - Seller-07/23/2025 <br>Open-Borrower 1 Signature does not match Note -----Unable to verify, signature page is missing from Deed of Trust. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Copy of recorded instrument with all pages provided, please clear finding. - Seller-07/23/2025<br>| Resolved-Received all pages of the Security Instrument. - Due Diligence Vendor-07/24/2025<br>| Long term residence - Borrower has lived at residence 11 years. <br>Months Reserves exceed minimum required - 0 months required, subject 4.57 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4823318 |
| XXXX | 2065589 | XXXX C B A | Closed | FCRE1194 | 2025-07-17 10:27 | 2025-07-18 11:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV of 70%, Non-material waiver applied with comp factors. non-material due to borrower is saving $1K a month. - Due Diligence Vendor-07/18/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% A 5% exception request was identified in the file. Page 741 Going from 65% to 70%. - Due Diligence Vendor-07/17/2025 |  | Waived-Originator exception granted to allow LTV of 70%, Non-material waiver applied with comp factors. non-material due to borrower is saving $1K a month. - Due Diligence Vendor-07/18/2025<br>| Long term residence - Borrower has lived at residence 11 years. <br>Months Reserves exceed minimum required - 0 months required, subject 4.57 months. | # of Months Reserves 6<br> 0 DTI 46.51<br> 0 LTV / CLTV% 70 <br> 0 FICO 637<br> 0 # of Tradelines 16<br> 0 Years of Monthly Payments 11<br> 0 Years on the Job 11.4<br> 0 Years at Present Address 11<br> 0 # of Months 0X30 Payments 0<br> 0 Benefit to Borrower 1k monthly savings  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4850960 |
| XXXX | 2065589 | XXXX C B A | Closed | FCOM5135 | 2025-07-15 13:21 | 2025-07-15 15:26 | 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-07/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-07/15/2025<br>| Long term residence - Borrower has lived at residence 11 years. <br>Months Reserves exceed minimum required - 0 months required, subject 4.57 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4823889 |
| XXXX | 2065672 | XXXX C A | Closed | FPRO0012 | 2025-07-18 09:04 | 2025-08-06 18:03 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. please find the PDI - Seller-08/04/2025 <br> Open-XXXX<br> - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. please find the PDI - Seller-08/04/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4865203 |
| XXXX | 2065672 | XXXX C A | Closed | FPRO0011 | 2025-07-18 09:03 | 2025-08-06 18:03 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. pdi for review please clear. - Seller-08/04/2025 <br> Open-XXXX<br> - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. pdi for review please clear. - Seller-08/04/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-08/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4865195 |
| XXXX | 2065672 | XXXX C A | Closed | FCRE1510 | 2025-07-17 10:57 | 2025-07-29 12:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. please find the dot w legal - Seller-07/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. please find the dot w legal - Seller-07/28/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4851581 |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 6**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **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)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 2065591 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1992.19 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $2789.34 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.968 | 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 | 05/20/2025 | 05/20/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 358501.87 | 128.5 | 358501.87 | 128.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065592 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $3492.51 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $5466.08 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.713 | 0.84 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/16/2025 | 05/16/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 91709.59 | 16.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065593 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | $1157.21 | No |  | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1561.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.729 | 1.72 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/13/2025 | 05/13/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 70549.40 | 45.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065594 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1170.51 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1695.75 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.622 | 1.62 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/13/2025 | 05/13/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 8631.30 | 5.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065559 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Average Prime Offer Rate (APOR) | Yes | No | No | N/A | N/A | 13468.06 | 05/26/2025 | 6.930% |  |  | No | 8.271% |  | 7.999% |  | $4594.97 | No |  | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $5276.02 | $8295.98 | N/A | XXXX | XXXX | $106.00 |  | Monthly | 0.00% | 39.40% | 39.40% | No | No |  |  |  |  |  |  | Self-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 | Yes | Yes | 2 | 12 | Yes | Yes | 2 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/10/2025 | 04/10/2025 | 04/10/2025 |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 35722.26 | 6.8 | 35722.26 | 6.8 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2065571 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $3632.21 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $4408.95 |  | N/A | XXXX | XXXX | $109.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.805 | 0.8 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/17/2025 | 04/17/2025 |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20999.28 | 4.8 | 485749.41 | 110.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065586 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.999% |  | $2629.56 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $4207.96 |  | Yes | XXXX | XXXX | $653.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.594 | 0.59 |  | Borrower - null 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 | 03/31/2025 | 03/31/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34993.14 | 8.3 | 34993.14 | 8.3 | No | 70 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065581 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $1215.69 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1540.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.039 | 1.03 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/13/2025 | 05/13/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 127738.05 | 82.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065587 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.999% |  | $1198.58 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1432.39 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.012 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/14/2025 | 05/14/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 3581.71 | 2.5 | 5551.99 | 3.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065588 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9321.47 | 06/16/2025 | 6.890% |  |  | No | 7.386% |  | 6.999% |  | $1753.32 | No |  | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $2077.23 | $8451.84 | N/A | XXXX | XXXX | $23.00 |  | Annually | 0.00% | 33.87% | 33.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/02/2025 | 06/02/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15008.40 | 7.2 | 15008.40 | 7.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065607 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1622.18 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1968.84 |  | 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 | 1.016 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/14/2025 | 05/14/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 85349.69 | 43.4 | 85349.69 | 43.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065576 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $4051.50 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $4847.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.805 | 0.8 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 551168.89 | 113.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065572 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | $1051.77 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1373.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.256 | 1.25 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/02/2025 | 05/02/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4152.98 | 3 | 4152.98 | 3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065609 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1421.14 | No |  | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1865.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.689 | 1.68 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/09/2025 | 04/09/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18018.41 | 9.7 | 18018.41 | 9.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065634 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1165.00 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $2511.14 |  | Yes | XXXX | XXXX | $911.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 0.89 | 0.88 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 | 06/05/2025 |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82662.61 | 32.9 | 82662.61 | 32.9 | No | 75 | No | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2065635 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $4263.06 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $5093.00 |  | N/A | XXXX | XXXX | $90.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.696 | 0.69 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 509941.36 | 100.1 | 509941.36 | 100.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065652 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.999% |  | $1297.21 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1551.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.611 | 1.64 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 15460.10 | 10 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065656 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 7.999% |  | $1623.30 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $2852.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.771 | 0.77 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/27/2025 | 05/27/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27617.78 | 9.7 | 27617.86 | 9.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065575 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $6469.42 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $8113.33 |  | 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 | 1.005 | 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 | 05/07/2025 | 05/07/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 448087.24 | 55.2 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 2065585 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $1110.44 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $1438.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.147 | 1.14 |  | Borrower - null 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 | 03/31/2025 | 03/31/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 1411.12 | 1 | 1411.12 | 1 | No | 55.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065564 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.999% |  | $6192.38 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $7265.88 | $53477.79 | N/A |  |  | $0.00 |  |  | 0.00% | 14.25% | 14.25% | 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% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/27/2025 | 06/27/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 76827.45 | 10.6 | 117390.27 | 16.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065562 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | $1467.81 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $2039.68 |  | N/A | XXXX | XXXX | $4.17 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.005 | 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 | 03/05/2025 | 03/05/2025 |  |  |  | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15280.72 | 7.5 | 15280.72 | 7.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065566 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10403 | 06/23/2025 | 6.830% |  |  | No | 7.995% |  | 7.500% |  | $1851.52 | No |  | XXXX | XXXX | $XXXX | $XXXX | $XXXX | $XXXX | $0.00 | $2689.61 | $3066.92 | N/A | XXXX | XXXX | $100.00 | 08/01/2025 | Monthly | 0.00% | 52.31% | 52.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 NA | No | No | 0 | No | Yes | N/A | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 10 | 10 | Work Number |  | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57912.05 | 21.5 | 57912.05 | 21.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065589 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10084 | 06/16/2025 | 6.890% |  |  | No | 9.683% |  | 9.375% |  | $3260.46 | No |  | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $4174.73 | $5083.29 | N/A |  |  | $0.00 |  |  | 0.00% | 50.89% | 50.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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 - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/15/2025 | 05/15/2025 |  |  |  | 637 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 19089.81 | 4.6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2065672 | XXXX | XXXX | Non-QM | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $6290.52 | Yes | 18.000% | XXXX | XXXX | $XXXX | $XXXX | $0.00 | $0.00 | $0.00 | $6928.53 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.779 | 0.77 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/30/2025 | 05/30/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 85014.70 | 12.3 | 85014.70 | 12.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.03 Schedule 7**

---

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| **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** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 2065591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065592 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065593 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065594 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065559 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065571 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065586 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 2065581 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065587 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065588 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065607 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065576 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 2065572 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065609 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0244 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0244 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065634 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065635 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 2065652 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065656 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0067 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0067 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 2065575 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0576 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0576 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 2065585 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.5 | 55.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065564 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 2065562 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 2065566 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2065589 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 2065672 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04**

![](ex9904001.jpg)

![](ex9904002.jpg)

**October 07, 2025**<br>**Due Diligence Narrative Report** <br>

![](ex9904003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 1 October 07, 2025

![](ex9904003.jpg)

**Clayton Contact Information** 

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of the originators, Clayton conducted an independent third-party pre-securitization due diligence review of 92 residential loans. Ellington Management Group, LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2025-NQM5 transaction.

The loan referenced in this narrative report was reviewed on a flow loan basis between June 2025 and July 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 89 | 96.74% |
| &nbsp;&nbsp;Retail | 3 | 3.26% |
| &nbsp;&nbsp;**Total** | **92** | **100.00%** |

---

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 2 October 07, 2025

![](ex9904003.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope  | &nbsp;&nbsp; # of Files Reviewed  |
| &nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;92 |
| &nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;92 |
| &nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;64 |
| &nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;92 |

---

Loan Grading

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

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

![](ex9904005.jpg)

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 3 October 07, 2025

![](ex9904003.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 the loan documentation provided to Clayton.

Credit Review

Clayton's Credit scope of review conducted on 92 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original
 Appraisal Assessment (92 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value
 Supported Analysis (92 loans)

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

● CU Score

● Desk Review

● Field Review

For further detail please refer to the EFMT 2025-NQM5 Valuations Summary Report

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 4 October 07, 2025

![](ex9904003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 64 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 5 October 07, 2025

![](ex9904003.jpg)

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

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

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 6 October 07, 2025

![](ex9904003.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 92 loans reviewed, by completing the following steps:

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

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

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results** 

Clayton provided Ellington Management Group, LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 92 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| ATR/QM Status | 1 | 98.91% |
| Cash Reserves | 19 | 79.35% |
| Disbursement Date | 18 | 80.43% |
| Documentation Type | 1 | 98.91% |
| DTI Qualifying (Back) | 7 | 92.39% |
| Loan Purpose | 2 | 97.83% |
| Months Reserves | 19 | 79.35% |
| Original Appraised Value | 5 | 94.57% |
| Original P&I | 3 | 96.74% |
| Product Type | 1 | 98.91% |
| Property Type | 1 | 98.91% |
| Representative Credit Score for Grading | 5 | 94.57% |
| Total Cash Out | 17 | 81.52% |

---

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**Clayton Due Diligence Results** 

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 37 |  | 7 | 29 | **73** |
| **Final** | **B** |  | 7 | 4 | 8 | **19** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **37** | **7** | **11** | **37** | **92** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 48 |  | 6 | 25 | **79** |
| **Final** | **B** |  | 10 |  | 3 | **13** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **10** | **6** | **28** | **92** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 76 |  | 3 | 11 | **90** |
| **Final** | **B** |  | 1 | 1 |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **76** | **1** | **4** | **11** | **92** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 48 |  | 3 | 8 | **59** |
| **Final** | **B** |  |  | 3 | 2 | **5** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **0** | **6** | **10** | **64** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (28 loans in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**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:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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○ 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:

○ 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

○ 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

○ 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

&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

○ 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

○ 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

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– 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

○ 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

○ 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

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ 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:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

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○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ 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:

○ 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

○ 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

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

○ Title XI of FIRREA:

– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

– Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

○ USPAP

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

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

○ 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.

○ 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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

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○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ 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.

○ 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

○ 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.

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

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

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

**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:

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

○ 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.

○ 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

○ 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

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

○ 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.

○ 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)

○ 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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

○ 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)

○ 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)

○ TILA/RESPA Integrated Disclosures ("TRID")

&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.

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 15 October 07, 2025

![](ex9904003.jpg)

&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).

● 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.

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 16 October 07, 2025

![](ex9904003.jpg)

&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.

● 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:

---

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

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| California | Maryland | Rhode Island, including the Providence ordinance |
| Colorado | Massachusetts | South Carolina |
| Connecticut | Nevada | Tennessee |
| District of Columbia | New Jersey | Texas |
| Florida | New Mexico | Utah |
| Georgia | New York | Vermont <br> (High Rate, High Point law)  |

---

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 17 October 07, 2025

![](ex9904003.jpg)

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| Indiana | Ohio, including <br> Cleveland Heights ordinance  | |
| Kentucky | Oklahoma | |

---

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

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

● 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.

---

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

---

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |

---

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 18 October 07, 2025

![](ex9904003.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**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

EFMT 2025-NQM5 Due Diligence Narrative Report Page \| 19 October 07, 2025

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **EFMT 2025-NQM5** |
| **Start - End Dates:** | **6/27/2025 - 7/24/2025** |
| **Deal Loan Count:** | **92** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *92* |
| ***Loans with Conditions:*** | *55* |
| **16 - Total Active Conditions** | **16 - Total Active Conditions** |
| **16 - Non-Material Conditions** | **16 - Non-Material Conditions** |
|  | 13 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Application |
|  | 7 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 2 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
|  | 2 - Property Valuations Review Scope |
|  | 2 - Category: Property |
|  | 1 - Compliance Review Scope |
|  | 1 - Category: Texas Home Equity |
| **81 - Total Satisfied Conditions** | **81 - Total Satisfied Conditions** |
|  | 43 - Credit Review Scope |
|  | 6 - Category: Assets |
|  | 3 - Category: DTI |
|  | 14 - Category: Income/Employment |
|  | 3 - Category: Insurance |
|  | 14 - Category: Legal Documents |
|  | 2 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
|  | 15 - Property Valuations Review Scope |
|  | 9 - Category: Appraisal |
|  | 5 - Category: Property |
|  | 1 - Category: Value |
|  | 23 - Compliance Review Scope |
|  | 11 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Documentation |
|  | 1 - Category: RESPA |
|  | 1 - Category: Right of Rescission |
|  | 8 - Category: TILA/RESPA Integrated Disclosure |
| **1 - Total Waived Conditions** | **1 - Total Waived Conditions** |
|  | 1 - Credit Review Scope |
|  | 1 - Category: Terms/Guidelines |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *92* | *92* | *92* | *92* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *55* | *55* | *55* | *55* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 2058655 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | The guidelines indicate borrowers with no investment properties but retaining their departing residence as a rental require preapproval. In this case, the borrower is retaining departing residence and has no other investment properties. | The file includes a waiver dated XXX for this issue. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score is 10+ points > requirement 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5 months of reserves |
| 2065416 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Final Amortization Schedule from loan file | (No Data) | Am. Schedule provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 credit score exceeds minimum required |
| 2065560 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 40 months PITIA is 37 months greater than the 3 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 734 is 114 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is 10% below the 80% LTV allowed for the program. |
| 2065561 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing HUD from REO cash out refi $XXX (XXX), which funds subject loan closing amount due. | 7.15.2025-Client's response: July 15th 2025, 8:22:38 amFinal settlement statement from loan XXX provided, please clear finding.7.15.2025-Clayton's response: Received the Final HUD1, exception is satisfied. | 7.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying score exceeds guideline minimum of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being XXX with same company for the past 29 years |
| 2065561 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing separate CD from REO (simultaneous close) which funds this loan. Short ($XXX) to close; insufficient cash reserves. | 7.15.2025-Client's response: July 15th 2025, 8:22:38 amFinal settlement statement from loan XXX provided, please clear finding.7.15.2025-Clayton's response: Received the Final HUD1, exception is satisfied. | 7.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying score exceeds guideline minimum of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being XXX with same company for the past 29 years |
| 2065561 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.15.2025-Client's response: July 15th 2025, 8:23:33 amFinal settlement statement provided, please clear finding.7.15.2025-Clayton's response: Received the Final HUD1, exception is satisfied. | 7.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying score exceeds guideline minimum of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being XXX with same company for the past 29 years |
| 2065561 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | 1003 has Cross collateral on the subject property. | 7.15.2025-Client's response: July 15th 2025, 10:50:44 amAt the time of the payoff the subject property and XXX were crossed collateralized, the loan with XXX is a refinance only on the subject property. Please clear finding.7.15.2025-Clayton's response: Received the Final HUD1, exception is satisfied. | 73.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 qualifying score exceeds guideline minimum of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have stable employment being XXX with same company for the past 29 years |
| 2065563 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing XXX #XXX XXX, XXX statements used to calculate income. | 7.15.25 please find the XXX and XXX statements.7.15.25 exception satisfied | 7.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.55% is below guideline maximum of 75% for an Alt Doc cash out refinance with a 672 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registration borrower has been in business since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $37,975.69, or 11.07 months. Reserves not required. |
| 2065565 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $8,558.12, or 5.13 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.25% is below guideline maximum of 80% for a DSCR Rate/Term refinance with a 708 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 708 exceeds guideline minimum of 620 for a DSCR Rate/Term refinance at 69.25% LTV |
| 2065567 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing Homeowners Counseling Disclosure | 7.14.25-Client provided initial credit package including homeowners counseling organizations issued XXX. Satisfied. | 7.14.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroer has lived in primary for 4 years 1 month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 60.96 months reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below maximum allowable per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds minimum required per lender guidelines |
| 2065567 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Please provide LE dated within 3 days of initial application date of XXX. | 7.14.25-Client provided initial credit package including LE issued XXX. e-signed XXX. Satisfied. | 7.14.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroer has lived in primary for 4 years 1 month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 60.96 months reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below maximum allowable per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds minimum required per lender guidelines |
| 2065567 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation - (CU risk score 3.9) | 7.11.25 DVR provided, please clear finding.7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borroer has lived in primary for 4 years 1 month<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 60.96 months reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below maximum allowable per lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds minimum required per lender guidelines |
| 2065568 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 7.11.25 CU provided, please clear finding.7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 credit score exceeds guideline minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.06 months reserves exceed guideline minimum of 6 months. |
| 2065569 | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $195 due to Appraisal Reinspection Fee increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7.17.25-Client provided COC, Satisfied. | 7.17.25-Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14 Years with current Employer<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 6 months at current Residence |
| 2065570 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | CPA to be Verified | 7.15.2025-Client's response: July 15th 2025, 9:14:40 amCopy of website for XXX provided, please clear finding.7.15.2025-Clayton's response: Received the CPA verification, exception is satisfied. | 7.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 86+ Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 30+ Months reporting positive on VOM and with cancelled checks<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 36 Months at current residence |
| 2065573 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 101 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4+ months reserves exceeds guidelines. |
| 2065574 | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 57 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Per VOM in file. Positive Mortgage History |
| 2065577 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.19% is below the minimum program requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 743 > 83 points above guideline program minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at his current residence for the past 16 years and 0 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 36 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2065578 | XXXXXX | ID | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | 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 | Client delivered loan as QM: Safe Harbor APOR. Clayton status determination is Non-QM: due to fees of 3.653%, exceeding fee threshold of 3%. | 7.23.25 Client response; We accept the determination on this and please clear the exception.7.23.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 7.23.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80.00% is 10% below maximum LTV of 90.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.03% is below max guideline requirement of 50.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds guideline requirement of 660. |
| 2065578 | XXXXXX | ID | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client delivered file as QM: Safe Harbor APOR status. Status is NoNQM per Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80.00% is 10% below maximum LTV of 90.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.03% is below max guideline requirement of 50.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds guideline requirement of 660. |
| 2065579 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $90,676.59 reserves in file or 31.39 months PITI exceeds guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 96 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| 2065580 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 23 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 396 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4+ months reserves exceeds guidelines. |
| 2065582 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $17,991.55 reserves in file or 2.54 months PITI < required guidelines of 6 months; missing asset statement for XXX | 7.16.2025 Client responded - Bank statements provided, should have 15 months of reserves. Please clear finding.7.16.2025 Client provided the bank statements verifying 15.53 months reserves. Exception satisfied | 7.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 180 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2065582 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.23.25 Final settlement statement provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 180 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2065582 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support appraisal value; CU Score 3.7 | 7.16.2025 Client responded - DVR provided, please clear finding.7.16.2025 Client provided XXX AVM $XXX and DVR $XXX supporting the value of subject property. Exception satisfied | 7.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 48 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 180 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 2065583 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months rental for borrower primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $62,554.09, or 34.30 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.31% is below guideline maximum of 70% for a DSCR cash out refinance with a 630 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has been 0X30 with mtg history from XXX. |
| 2065584 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Desk Review to support appraisal Value; CU score 2.7 | 7.12.25 DVR provided, please clear finding.7.12.25 exception satisfied | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 9+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $194,316.24 reserves in file or 43.15 months PITI > required guidelines |
| 2065590 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.14.25 Please find the final SS7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 172 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3+ months reserves exceeds guidelines. |
| 2065590 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation. | 7.14.25 Please find the DVR7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 172 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3+ months reserves exceeds guidelines. |
| 2065597 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing cash out purpose letter | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $219,327.53, or 105.28 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has been 0X30 with history from XXX.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 2065597 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 7.15.25 Correction, HOA questionnaire provided. Please clear finding.7.15.25 exception satisfied | 7.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $219,327.53, or 105.28 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has been 0X30 with history from XXX.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 2065598 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Lender is showing "Other" Income of $XXX Monthly and unable to locate Documentation for this Income | 7.16.2025-Client's response: July 16th 2025, 10:39:53 amBorrower has a tenant, lease and bank statements showing rent received provided. Tenant pays $XXX, after fees for the property management the borrower receives $XXX. Underwriter took in vacancy factor using $XXX month for income. Please clear finding.7.16.2025-Clayton's response: Received the Lease Agreement with 3 months of receipt of rent; exception is satisfied. | 7.16.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 222 Months Consumer Debt reporting<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 66.70% and Max LTV is 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ Months reporting |
| 2065598 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Current DTI is 51.46%....Per Guidelines, up to 55% ok with Max 80% LTV, $4,000 per month disposable income and 0 x 30 Mortgage | 7.16.2025-Client's response: July 16th 2025, 10:40:08 amBorrower has a tenant, lease and bank statements showing rent received provided. Tenant pays $XXX, after fees for the property management the borrower receives $XXX. Underwriter took in vacancy factor using $XXX month for income. Please clear finding.7.16.2025-Clayton's response: Received the Lease Agreement with 3 months of receipt of rent, DTI is 51.46%. Loan meets guidelines for DTI over 50%, exception satisfied. | 7.16.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 222 Months Consumer Debt reporting<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 66.70% and Max LTV is 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ Months reporting |
| 2065598 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender is showing "Other" Income of $XXX Monthly and unable to locate Documentation for this Income | 7.16.2025-Client's response: July 16th 2025, 10:39:53 amBorrower has a tenant, lease and bank statements showing rent received provided. Tenant pays $XXX, after fees for the property management the borrower receives $XXX. Underwriter took in vacancy factor using $XXX month for income. Please clear finding.7.16.2025-Clayton's response: Received the Lease Agreement with 3 months of receipt of rent; exception is satisfied. | 7.16.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 222 Months Consumer Debt reporting<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 66.70% and Max LTV is 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ Months reporting |
| 2065599 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1191.10 X 6 = $7146.60. Cash to borrower $150,934.33 or 126.71 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 764, minimum required by G/L is 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has a 19 open tradeline, 0 X 30 lates, and 3% revolving utilization |
| 2065600 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide Final HUD1 from cash-out refinance of XXX Loan #2XXX. If the funds were deposited into the borrower bank account provide banking verification of funds. | 7.9.25 Copy of the FSS for XXX and of wire being sent to borrower have been provided, 7.12.25 exception satisfied | 7.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 797, minimum required per G/L is 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the current primary for 8.10 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: FICO is 797, 6 tradelines, no lates, only 14% credit utilization ratio |
| 2065601 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 73 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30 months reserves exceeds guidelines. |
| 2065602 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 113 months PITIA is 110 months greater than the 3 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 716 is 36 points above the 680 FICO required for the program. |
| 2065603 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing proof of flood insurance | 7.8.25 Flood policy provided, please clear finding,7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $79,587.45, or 17.04 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 2065604 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 706 is 26 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $262,284.74, 90.27 months of PITIA which is > 6 month guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%. |
| 2065605 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing Required Income Documentation2. Income Amount is Unsupported by Documentation in File | 7.14.25 Bank statements for XXX & XXX provided, please clear finding.7.21.25 exception satisfied | 7.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 90%, max allowed per G/L is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 789, minimum required per G/L is 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3984.43 X 6 = $23,366.58. Post cls reserves $265,928.47 or 59.23 months PITI 66.74 |
| 2065605 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Required Income Documentation | 7.14.25 Bank statements for XXX & XXX provided, please clear finding.7.21.25 exception satisfied | 7.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 90%, max allowed per G/L is 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 789, minimum required per G/L is 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3984.43 X 6 = $23,366.58. Post cls reserves $265,928.47 or 59.23 months PITI 66.74 |
| 2065606 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. R/T vs C/O to be verified upon receipt. | 7.23.25 Final settlement statement provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 167 Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Demonstrates positive Mortgage Payment History<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current 65% LTV....Maximum LTV is 70% LTV |
| 2065608 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing executed W-8 (BEN) IRS form as required by underwriting approval | 7.24.25 Provided the correct W-8 doc, please clear finding.7.24.25 exception satisfied | 7.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1458.05 X 6 = $8748.30. Cash to borrower $15,738.51 + Depository assets of $7867.17 = $23,605.68 in verified post cls assets or 16.18 months PITI |
| 2065610 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 12 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.24% LTV < guideline maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $124,252.51 reserves in file or 81.30 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 qualifying score exceeds guideline minimum of 620 |
| 2065611 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 5+ years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 216 months credit history exceeds guidelines. |
| 2065612 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Provide COCs for increasing HOA Cert fee on CD XXX & XXX OR Provide LOX, PCCD, Copy of refund check in amount of $XXX and proof of delivery via tracking method within 60 days of consummation. | 7.15.25-Client provided COC issued XXX. Provide COC issued XXX OR Provide LOX, PCCD, Copy of refund check in amount of $XXX and proof of delivery via tracking method within 60 days of consummation.7.24.25-Client provided COC issued XXX. Satisfied. | 7.24.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 exceeds guideline minimum of 680 for an Asset Express at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Per VOR borrower has been 0X30 since inception of rental XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 4 years. |
| 2065612 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER5518 | Loan fails XXXX Minimum Equity requirement | No | Equity of $XXX does not meet guideline requirement of $40,000.00.Clayton deems this non-material due to the following compensating factors> 60 months reserves, FICO 748 > than 12 months at current residence | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 exceeds guideline minimum of 680 for an Asset Express at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Per VOR borrower has been 0X30 since inception of rental XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 4 years. |
| 2065613 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | 12 Month Business Bank Statement Loan....NO Bank Statements provided to accurately calculate Income. | 7.14.25 12 months bank statements provided, please clear finding.7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 110 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 64+ Months reporting |
| 2065613 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | 12 Month Business Bank Statement Loan....NO Bank Statements provided to accurately calculate Income. | 7.14.25 12 months bank statements provided, please clear finding.7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 110 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 64+ Months reporting |
| 2065614 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Cert | 7.18.25 HOA questionnaire provided, please clear finding.7.20.25 exception satisfied | 7.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $147,084.46 reserves in file or 43.03 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 29+ years |
| 2065615 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 14 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 284 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 78+ months reserves exceeds guidelines. |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Required Income Documentation | 7.16.2025 Client responded - Bank statements provided, please clear finding.7.16.2025 Client provided all 12 bank statements for XXX XXX and income was verified. | 7.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Notary is missing for Mortgage. | 7.14.25-Client provided mortgage; executed & notarized XXX including applicable rider. Satisfied. | 7.14.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | Mortgage provided is not signed by borrower. | 7.14.25-Client provided mortgage; executed & notarized XXX including applicable rider. Satisfied. | 7.14.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date on ROR of XXX is before end of statutory rescission period of XXX. | 7.14.25-Client provided PCCD issued XXX, updating disbursement date, closing cost & cash to close. Satisfied. | 7.14.25-Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for initial CD XXX. | 7.14.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 7.14.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD XXX. | 7.14.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 7.14.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX business bank stmts from account ending in #XXX for the months of XXX - XXX, and XXX. | 7.16.2025 Client responded - Bank statements provided, please clear finding.7.16.2025 Client provided the missing bank statements from XXX XXX. Exception satisfied. | 7.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065616 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value of $XXX or CU Score <2.5 | 7.16.2025 Client responded - Field review provided, please clear finding.7.16.2025 Client provided a Field Review that supports the value of $XXX. Exception satisfied | 7.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 814, minimum required by G/L is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $9073.39X 6 = $54,440.34. Cash to borrower $4856.52 + $11,205.29 in depository assets = $116,061.81 in post clsg reserves or 23.89 months PITI |
| 2065617 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 792 exceeds the minimum required per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed minimum required per lender guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history. |
| 2065618 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | Guideline states that bankruptcy must be seasoned for 24 months. Most recent discharge date is XXX. Also, guidelines state that borrowers with multiple bankruptcy filings are typically not eligible and borrower has filed XXX times in the past XXX years. Per credit report borrower filed Chapter 13 dismissed XXX. Borrower filed again XXX Chapter 7 Discharged XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 8 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV is below guideline maximum of 75%. |
| 2065619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide 12 month bank statements for income calculation. | 7.25.25 please find12 months l bank statement7.28.25 exception satisfied | 7.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80%, below guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 773 exceeds minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 42 months cash reserves exceeds 6 month requirement |
| 2065619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX XXX #XXX Statement. Only XXX is in file. | 7.25.25 please find the XXX bank statement7.28.25 exception satisfied | 7.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80%, below guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 773 exceeds minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 42 months cash reserves exceeds 6 month requirement |
| 2065619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks for the private landlord XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80%, below guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 773 exceeds minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 42 months cash reserves exceeds 6 month requirement |
| 2065619 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide 12 month bank statements for income calculation. | 7.25.25 please find12 months l bank statement7.28.25 exception satisfied | 7.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80%, below guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 773 exceeds minimum requirement of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 42 months cash reserves exceeds 6 month requirement |
| 2065620 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 4+ years. |
| 2065621 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Current & Previous Dec Page is in file | 7.14.2 5Please find updated dec page.7.14.25 exception satisfied | 7.14.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88+ Months reporting |
| 2065621 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.14.25 FINAL ss For review7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88+ Months reporting |
| 2065622 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Business Bank Statements to accurately calculate Income. Bank Statements in file are from XXX | 7.14.25v please find the biz income for review.7.125.25 exception satisfied | 7.125.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 44+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 52 Months Reserves |
| 2065623 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 710 Credit score exceeds guidelines minimum of 620 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $137,241.06 or 49.65 months PITIA exceeds guideline required 6 months $16,583.76 ($2,763.96 x 6 months). |
| 2065624 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years 2 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 786 is 186 points above the 600 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.90% is 28.10% below the 90% LTV allowed for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence. |
| 2065625 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17.71 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 271 months of 0x30 revolving trade history per CBR. |
| 2065626 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 23 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 2065627 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting the value of $XXX | 7.25.25 DVR for review.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 Credit score exceeds guidelines 620 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $329,099.66 or 111.28 months PITIA exceed required 3 months for loan LTV >65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned current residence for 8 months 6 years. |
| 2065627 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire. | 7.25.25 please find the condo cert7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 Credit score exceeds guidelines 620 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $329,099.66 or 111.28 months PITIA exceed required 3 months for loan LTV >65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned current residence for 8 months 6 years. |
| 2065628 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months of housing history. Have 3 months payments. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $33,517.13, or 15.70 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 2065629 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Client declared Non-QM: Lender Documented all ATR UW); Clayton status is Status pending ; Missing 12 months bank statements as program requires | 7.17.25 please find the bank stmt for review.7.23.25 Appears income was qualified using Accounts #XXX & #XXX. \*only #XXX account was provided , missing all #XXX statements. exception remains. 7.28.2025 Client responded - account of XXX is uploaded.7.28.2025 Client provided the bank statements for account XXX. Exception satisfied | 7.23.25 exception remains.7.28.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV < guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $72,331.10 reserves in file or 28.39 months PITI > required guidelines |
| 2065629 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing Bank statements as required by program parameters. | 7.17.25 please find the bank stmt for review.7.23.25 Appears income was qualified using Accounts #XXX & #XXX. \*only #XXX account was provided , missing all #XXX statements. exception remains. 7.28.2025 Client responded - account of XXX is uploaded.7.28.2025 Client provided the bank statements for account XXX. Exception satisfied | 7.23.25 exception remains. 7.28.2025 Exceptions satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV < guideline maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 qualifying score exceeds guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $72,331.10 reserves in file or 28.39 months PITI > required guidelines |
| 2065630 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 785 exceeds the minimum required per the lender guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower is in the same profession for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 7 years, 2 months' time at current job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds the minimum required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is below maximum allowable per the lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed minimum amount required per the lender guidelines |
| 2065631 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 529.67 cash reserves exceed guidelines 6 months PITI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage payment history 36 months exceeds guidelines 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 credit score exceeds guidelines 620 |
| 2065632 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 Credit score exceeds guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $38,207.76 or 23.51 months PITIA exceed 3 months required. |
| 2065633 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 69 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 8+ years. |
| 2065636 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Provide title commitment with insured amount of $XXX. | 7.15.25 NO DOCS RCVD.7.16.2025-Title Received, exception satisfied. | 7.15.25 Exception remains. 7.16.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 89 months mortgage history with 0x30 exceeds guide 12 month 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 815 Credit score exceeds guidelines 660 for program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $91,523.24 or 9.01 months PITIA exceed guideline required amount of $0.00 for LTV below 65%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.06% LTV below guideline requirements of 90% per program. |
| 2065637 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 7.14.25 please find the final SS7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.15% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 509 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $243,077.58 = 32.92 months of reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months of 0x30 consumer credit history per CBR. |
| 2065638 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 7.25.25 final SS for review.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV < guideline maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $294,471.97 reserves in file or 115.54 months PITI > required guidelines |
| 2065638 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Property Valuations | Property | Active | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Condo Questionnaire provided: exception downgraded to a 2/B - non warrantable due to investor concertation > 50%Clayton deems exception to be non fatal to the lending decision | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV < guideline maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $294,471.97 reserves in file or 115.54 months PITI > required guidelines |
| 2065639 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Active | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | NonQm review. Subject DTI =50.13% over 50% limit for XXX program.Clayton deems exception to be non material / non fatal to the lending decision. Grade =2/B. CMP factors, 13 months reserves. Significant time at current job / profession. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $50,621.75, or 13 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 exceeds guideline minimum of 700 for an Alt Doc purchase at 90% LTV.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: In profession 22 years. |
| 2065640 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds the minimum required per the lender guidelines<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 16 months positive mortgage payment history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 exceeds the minimum required per the lender guidelines |
| 2065641 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Funds will be updated upon receipt of Final HUD reflecting Lender Credit | 7.8.25 Final settlement statement provided, please clear finding.7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 229+ Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive Rental history on Primary<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 2065641 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1 | 7.8.25 Final settlement statement provided, please clear finding.7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 229+ Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive Rental history on Primary<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 2065642 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 credit score is 53 points below minimum requirements of 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 lates showing on credit report<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The client has 26 months cash reserves |
| 2065643 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Active | B | B | B | B | CRDAPP131 | Occupancy status not supported by file documentation | No | Rent free letter not executed. Clayton deems this non-material. Compensating factors; FICO 762, good rental history. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $29,837.62, 5 Months reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 771 exceeds guideline requirement |
| 2065643 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide canceled checks for the rental payments to XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $29,837.62, 5 Months reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 771 exceeds guideline requirement |
| 2065643 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 7.18.25 Final settlement statement provided, please clear finding.7.20.25 exception satisfied | 7.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $29,837.62, 5 Months reserves<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 771 exceeds guideline requirement |
| 2065644 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing all bank statements used to calculate income. | 7.24.2025-Client's response: July 15th 2025, 9:30:39 amReceivedBank statements for both accounts provided, please clear finding.7.24.2025-Clayton's response: Received the bank statements that support the value, exception is satisfied. | 7.24.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history per VOM indicates 0 x 30 for 51 months which exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence for 4 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years 1 month |
| 2065644 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Texas Home Equity | Active | B | B | B | B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history per VOM indicates 0 x 30 for 51 months which exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence for 4 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years 1 month |
| 2065644 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | File missing 12 months bank statements for business accounts XXX accounts XXX & XXX. | 7.24.2025-Client's response: July 15th 2025, 9:30:39 amBank statements for both accounts provided, please clear finding.7.24.2025-Clayton's response: Received the bank statements that support the value, exception is satisfied. | 7.24.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history per VOM indicates 0 x 30 for 51 months which exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence for 4 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years 1 month |
| 2065645 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 78+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35 Months Reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Back End DTI is 16.47% |
| 2065646 | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 260 Months Reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 712, min score 660.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history 0x30. |
| 2065647 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Guidelines require collection and charge-offs less than 2 years must be paid | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 14 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 693 credit score; 620 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x84 mortgage payment history |
| 2065648 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | The business bank statements for XXX-XXX are missing. | 7.29.2025 Client responded - please find the 12 mo bank stmts7.29.2025 Client provided the XXX through XXX for XXX acct XXX to verify income. Exception satisfied | 7.29.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 exceeds minimum FICO score of 660 by 83 points.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history and no lates listed on the credit report<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Client has been at job over 12 years |
| 2065648 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | The business bank statements for XXX-XXX are missing. | 7.29.2025 Client responded - please find the 12 mo bank stmts 7.28.2025 Client provided the XXX through XXX for XXX acct XXX to verify income. Exception satisfied | 7.28.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 exceeds minimum FICO score of 660 by 83 points.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history and no lates listed on the credit report<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Client has been at job over 12 years |
| 2065648 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR5291 | Most Recent AVM Name not from approved vendor | No | AVM provided | 7.25.25 DVR uploaded for review.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 743 exceeds minimum FICO score of 660 by 83 points.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history and no lates listed on the credit report<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Client has been at job over 12 years |
| 2065649 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 7.24.25 please find the final SS7.24.25 exception satisfied | 7.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $25,907.84, or 7.91 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR Rate/Term refinance with a 749 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 749 exceeds guideline minimum of 680 for a DSCR Rate/Term refinance at 75% LTV. |
| 2065650 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 Credit score exceeds guidelines of 620 per program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.62% LTV below guideline requirements of 80% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $36,574.65 or 27.87 months PITIA exceed required amount of $0.00 for LTV <65%. |
| 2065651 | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | B1 is XXX and qualified with 12 months of business bank statements from XXX-XXX acct #XXX. File contained only XXX and XXX statements. Missing XXX-XXX business bank statement to support income. | 7.14.25 Requested bank statements provided, please clear finding.7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 20.6 years in the XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.33% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.53 months of reserves in file. |
| 2065651 | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | B1 is XXX and qualified with 12 months of business bank statements from XXX-XXX acct #XXX. File contained only XXX and XXX statements. Missing XXX-XXX business bank statement to support income. | 7.14.25 Requested bank statements provided, please clear finding.7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 20.6 years in the XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 28 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.33% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.53 months of reserves in file. |
| 2065653 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP277 | Currently Listed for Sale | No | Missing explanation letter from guarantor explaining why property was listed for sale. Listing removed XXX | 7.15.25 That listing was over 6 months old at the time of application, XXX, and it was only listed for 2 days. See email from borrower regarding the listing.7.15.25 exception satisfied | 7.15.25 That listing was over 6 months old at the time of application, XXX, and it was only listed for 2 days. See email from borrower regarding the listing.7.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 199 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 5 years. |
| 2065654 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 101+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 12 years. |
| 2065655 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $105,717.40, or 75.08 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 32.71% is below guideline maximum of 90% for a Full Doc purchase with a 761 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VOE borrower has been on job since XXX. |
| 2065657 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $XXX. Discount point was increased from $XXX on LE XXX to $XXX on final CD XXX. Lender credits decreased from $XXX on LE XXX to $XXX on final CD XXX. No documentation provide disclosing changes in fees. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 7.15.25-Client provide COCs, Satisfied. | 7.15.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirements.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 20 years. |
| 2065658 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1975.31 X 3 = $5925.93. Cash to borrower $86,735.40 or 43.90 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 726, minimum required by G/L is 620 |
| 2065659 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | XXX mortgage payment to XXX was made 30 days late. Guidelines do not allow for a 30 day late unless the credit score is higher than 700 and the DSCR is 0.75%. Credit Score is 702, DSCR is 0.7229. Clayton deems this non-material. Compensating factors are 702 FICO, 33 months in reserves, and 20 years at current residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238 Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 Months Reporting |
| 2065659 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 7.9.25 Final settlement statement provided, please clear finding.7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238 Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 Months Reporting |
| 2065660 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for CD XXX. | 7.15.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 7.15.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $319,010.01, or 71.29 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.25% is below guideline maximum of 90% for an Alt Doc purchase with a 717 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since XXX. |
| 2065660 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for CD XXX. | 7.15.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 7.15.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $319,010.01, or 71.29 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.25% is below guideline maximum of 90% for an Alt Doc purchase with a 717 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since XXX. |
| 2065661 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide a third party valuation that supports the appraised value of $XXX. | 7.9.25 Appraisal desk review provided, please clear finding.7.9.25 exception satisfied | 7.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 exceeds the minimum required per the lender guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the minimum amount required per the lender guidleines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below maximum allowable per lender guidelines |
| 2065662 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 7.14.25 please find the final SS7.14.25 exception satisfied | 7.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 264 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 2065663 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 12 months of Business Bank Statements for income calculation. | 7.25.25 please find the 12 mo bank stmts for income7.28.25 11 months provided. income still qualifies, exception satisfied | 7.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: NO LATES ON ANY CONSUMER DEBT OR MORTGAGES FOR THE PAST 72 MONTHS<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: NO MORTGAGE LATES FOR THE PAST 24 MONTHS<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: MORTGAGE IS CURRENT LAST LATE ON THE LOAN WHICH WAS 30 DAY WAS IN XXX |
| 2065663 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 12 months of Business Bank Statements for income calculation. | 7.25.25 please find the 12 mo bank stmts for income7.28.25 11 months provided. income still qualifies, exception satisfied | 7.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: NO LATES ON ANY CONSUMER DEBT OR MORTGAGES FOR THE PAST 72 MONTHS<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: NO MORTGAGE LATES FOR THE PAST 24 MONTHS<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: MORTGAGE IS CURRENT LAST LATE ON THE LOAN WHICH WAS 30 DAY WAS IN XXX |
| 2065664 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review supports value of $XXX, exceeding 10% tolerance of appraised value of $XXX. Lender used lesser desk review value of $XXX to calculate LTV. Exception satisfied. | (No Data) | Lender used lesser desk review value of $XXX to calculate LTV. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves are $174,453.59, or 124.32 months PITI, exceeding 6 month guideline requirement.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0 x 30 credit history past 81 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.35% is below max guideline requirement of 80.00%. |
| 2065665 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective XXX for note XXX with disbursement date of XXX | 7.24.25 please find the corrected haz for review.7.24.25 exception satisfied | 7.24.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 746 exceeds minimum guidelines of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.05% is below guideline max allowed of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 28months reserves exceeds minimum 6 months required |
| 2065666 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 719 exceeds the minimum score required per lender guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is below the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed the minimum amount required per lender guidelines |
| 2065667 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned his primary residence for 9.7 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves $3173.08 X 3 = $9519.24. Post cls verified reserves $851,521.20 or 89.45 months PITI |
| 2065668 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 Credit score exceeds guidelines of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 93 months mortgage payment history of 0x 30 exceeds guideline required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $240,632 or 37.36 months PITIA exceeds guideline required 3 months reserves. |
| 2065669 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Bank Statement Loan and missing Bank Statement to calculate Income. | 7.25.28 bank stmts for review.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 137+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 66+ Months reporting |
| 2065669 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Bank Statement Loan and missing Bank Statement to calculate Income. | 7.25.28 bank stmts for review.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 137+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 66+ Months reporting |
| 2065670 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Is there possible rental income used for subject. Currently the debt to income is 54.03% without the PITI for XXX, 1003 shows several rental properties including the subject property. | 7.23.2025 Client responded - Income has been updated, copy of the bank statements and income worksheet have been provided, Please clear finding.7.23.2025 Client provided 12 months additional bank statement XXX XXX Business. Exception satisfied | 7.23.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $205,332.18, or 37.21 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 exceeds guideline minimum of 700 for an Alt Doc purchase at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 2065670 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI for XXX | 7.23.2025 Client responded - Property is owned free & clear. HOI, HOA and taxes have been provided, please clear finding. | 7.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $205,332.18, or 37.21 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 782 exceeds guideline minimum of 700 for an Alt Doc purchase at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 2065671 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 64+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 2065673 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Legal Documents | Active | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Missing Cash out purpose letter | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are$832,980.20, or 68.76 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.76% is below guideline maximum of 75% for a DSCR with a ratio < 1.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 730 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. |
| 2065674 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1. | 7.18.25 Final settlement statement provided, please clear finding.7.20.25 exception satisfied | 7.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 217 Months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2+ years. |
| 2065674 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject is a non Warrantble Condo due to investor concentration being over 50%. Clayton deems the exception to be non material/non fatal the lending decision. Grade = 2/B. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 217 Months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2+ years. |
| 2065675 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.05% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $485,031.75 or 129.67 months PITIA exceed guideline required zero months for LTV <65%. |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *92* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *55* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Loan Credit Grade** | **Final Securitization Loan Credit Grade** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Loan Credit Grade** | **Final S&P Loan Credit Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 2058655 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 2065416 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 2065560 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 2065561 | N/A | XXXXXX | XXXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Not Applicable |
| 2065563 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 2065565 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 2065567 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable |
| 2065568 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 2065569 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 2065570 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 2065573 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065574 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065577 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065578 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | No |
| 2065579 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065580 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065582 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Not Applicable |
| 2065583 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 2065584 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 2065590 | N/A | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Yes |
| 2065597 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Not Applicable |
| 2065598 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 2065599 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065600 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2065601 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065602 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 2065603 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2065604 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065605 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 2065606 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 2065608 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 2065610 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065611 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 2065612 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable |
| 2065613 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 2065614 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 2065615 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065616 | Yes | XXXXXX | XXXXXX | D | B | D | A | D | A | D | B | D | B | D | A | D | A | D | B | No |
| 2065617 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065618 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 2065619 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | No |
| 2065620 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065621 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2065622 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 2065623 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065624 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065625 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065626 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065627 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 2065628 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 2065629 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 2065630 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065631 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 2065632 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065633 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 2065636 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2065637 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 2065638 | Yes | XXXXXX | XXXXXX | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Not Applicable |
| 2065639 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 2065640 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065641 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2065642 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065643 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 2065644 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No |
| 2065645 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065646 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065647 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 2065648 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | No |
| 2065649 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 2065650 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065651 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 2065653 | N/A | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| 2065654 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065655 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065657 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 2065658 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065659 | N/A | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 2065660 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 2065661 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 2065662 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 2065663 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 2065664 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | No |
| 2065665 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 2065666 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 2065667 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 2065668 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065669 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 2065670 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 2065671 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 2065673 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 2065674 | Yes | XXXXXX | XXXXXX | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Not Applicable |
| 2065675 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 4**

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 2058655 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.0000 | 2249.89 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 79.42 | (No Data) | (No Data) | 0.00 | 250.00 | Present | XXXX | 2 | No | Present | XXXX | 70 | 13300.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 | 775 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 775 | XXXX | XXXX | 43.33 | 49.22 | XXXX | XXXX | 132724.37 | 132724.37 | 132724.37 | XXXX | XXXX | 5.04 | 5.04 | Fully Amortized | 7.000 | 2249.89 | 43.33 | 49.22 | Full 12 Month | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) |
| 2065416 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.0000 | 7035.57 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 122.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 4 | No | Present | XXXX | 99 | 37000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 806 | 802 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 | 728 | 760 | XXXX | (No Data) | (No Data) | 760 | XXXX | XXXX | 36.24 | 49.85 | XXXX | XXXX | 132724.38 | 132724.37 | 132724.37 | XXXX | XXXX | 65.13 | 65.13 | Qualifying Rate, Fully Amortized | 7.000 | 7035.58 | 36.24 | 49.85 | Full 12 Month | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 2 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) |
| 2065560 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.1250 | 7074.04 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 343.44 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 91 | 19500.00 | 18 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 | 705 | 745 | XXXX | (No Data) | (No Data) | 734 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.39 | 132724.37 | 132724.37 | XXXX | XXXX | 40.87 | 40.87 | Fully Amortized | 7.125 | 7074.05 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 2065561 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 3259.65 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 123.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 96 | 5000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 | 772 | 768 | XXXX | (No Data) | (No Data) | 772 | XXXX | XXXX | 9.99 | 47.91 | XXXX | XXXX | 132724.40 | 132724.37 | 132724.37 | XXXX | XXXX | 22.44 | 22.44 | Fully Amortized | 6.999 | 3259.66 | 9.99 | 47.91 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) |
| 2065563 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.3750 | 3040.29 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXX |  | XXXX | 57.55 | 57.55 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 126.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 117 | 25000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 679 | 672 | 650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 672 | XXXX | XXXX | 10.15 | 30.17 | XXXX | XXXX | 132724.41 | 132724.37 | 132724.37 | XXXX | XXXX | 11.07 | 11.07 | Fully Amortized | 8.375 | 3040.29 | 10.15 | 30.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065565 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.1250 | 1095.18 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 69.25 | 69.25 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 224.03 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 67 | 19597.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 | 683 | 708 | XXXX | (No Data) | (No Data) | 708 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.42 | 132724.37 | 132724.37 | XXXX | XXXX | 5.13 | 5.13 | Fully Amortized | 8.125 | 1095.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months |
| 2065567 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.1250 | 12632.22 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 2490.18 | (No Data) | (No Data) | (No Data) | 125.00 | Present | XXXX | 1 | No | Present | XXXX | 240 | 50000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 | 705 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 705 | XXXX | XXXX | 20.53 | 38.45 | XXXX | XXXX | 132724.43 | 132724.37 | 132724.37 | XXXX | XXXX | 60.96 | 219.00 | Fully Indexed, Fully Amortized | (No Data) | 0.00 | 20.53 | 38.45 | Asset Depletion | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors D | C A | A D | C A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065568 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.7500 | 1226.50 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | Subject to inspections w/inspections | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 150.11 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 359 | 43100.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 | 753 | 762 | XXXX | (No Data) | (No Data) | 753 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.44 | 132724.37 | 132724.37 | XXXX | XXXX | 8.06 | 8.06 | Fully Amortized | 7.750 | 1226.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2065569 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 9.3750 | 2270.68 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Owner | Subject to Completion(cert in file) | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 301.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 7 | 500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 631 | 616 | 610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 616 | XXXX | XXXX | 28.4 | 43.79 | XXXX | XXXX | 132724.45 | 132724.37 | 132724.37 | XXXX | XXXX | 43.27 | 43.27 | Fully Amortized | 9.375 | 2270.68 | 28.4 | 43.79 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 2065570 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.7500 | 4602.20 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 64.29 | 64.29 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 400.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 86 | 3100.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 611 | 636 | 592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 645 | 634 | 630 | XXXX | (No Data) | (No Data) | 611 | XXXX | XXXX | 33.98 | 53.59 | XXXX | XXXX | 132724.46 | 132724.37 | 132724.37 | XXXX | XXXX | 0.05 | 0.05 | Fully Amortized | 8.750 | 4602.20 | 33.98 | 53.59 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065573 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 8.9990 | 2800.94 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 147.00 | (No Data) | (No Data) | (No Data) | 130.00 | Present | XXXX | 4 | No | Present | XXXX | 101 | 14000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 | 684 | 673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 684 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.47 | 132724.37 | 132724.37 | XXXX | XXXX | 4.66 | 4.55 | Fully Amortized | 8.999 | 2880.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065574 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 2660.94 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 67.45 | 67.45 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 65.75 | (No Data) | (No Data) | (No Data) | 75.83 | Present | XXXX | 4 | No | Present | XXXX | 46 | 5000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 | 764 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 771 | XXXX | XXXX | 2.87 | 3.32 | XXXX | XXXX | 132724.48 | 132724.37 | 132724.37 | XXXX | XXXX | 57.38 | 57.38 | Fully Amortized | 6.999 | 2660.95 | 2.87 | 3.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065577 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 3815.21 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 100.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 177 | 25500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 | 736 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 743 | XXXX | XXXX | 35.7 | 42.19 | XXXX | XXXX | 132724.49 | 132724.37 | 132724.37 | XXXX | XXXX | 26.73 | 26.73 | Fully Amortized | 7.999 | 3815.22 | 35.7 | 42.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065578 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 3237.33 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 83.92 | (No Data) | (No Data) | (No Data) | 45.00 | Present | XXXX | 4 | No | Present | XXXX | 186 | 98935.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 | 718 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 714 | XXXX | XXXX | 23.47 | 33.03 | XXXX | XXXX | 132724.50 | 132724.37 | 132724.37 | XXXX | XXXX | 55.63 | 55.63 | Fully Amortized | 7.375 | 3237.34 | 23.47 | 33.03 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065579 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.3750 | 2128.20 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX | Not Applicable | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 162.73 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 84 | 27000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 | 713 | 717 | XXXX | (No Data) | (No Data) | 713 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.51 | 132724.37 | 132724.37 | XXXX | XXXX | 31.39 | 31.39 | Fully Amortized | 8.375 | 2128.21 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065580 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.1250 | 1923.47 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 72.28 | 72.28 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 79.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 396 | 28200.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 | 792 | 801 | XXXX | (No Data) | (No Data) | 795 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.52 | 132724.37 | 132724.37 | XXXX | XXXX | 4.41 | 4.41 | Fully Amortized | 7.125 | 1923.47 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2065582 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 6492.35 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 138.33 | (No Data) | (No Data) | 159.30 | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 132 | 50000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 | 792 | 804 | XXXX | (No Data) | (No Data) | 792 | XXXX | XXXX | 20.53 | 43.6 | XXXX | XXXX | 132724.53 | 132724.37 | 132724.37 | XXXX | XXXX | 15.53 | 15.53 | Fully Amortized | 7.375 | 6492.35 | 20.53 | 43.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) |
| 2065583 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.8750 | 1392.38 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Urban | Tenant | As-Is | XXXX |  | XXXX | 67.31 | 67.31 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 230.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 78 | 2000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 636 | 586 | 630 | XXXX | (No Data) | (No Data) | 630 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.54 | 132724.37 | 132724.37 | XXXX | XXXX | 31.93 | 31.93 | Fully Amortized | 8.875 | 1392.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065584 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 3664.45 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 510.18 | (No Data) | (No Data) | (No Data) | 38.75 | Present | XXXX | Not Applicable | No | Present | XXXX | 240 | 30000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 | 760 | 728 | XXXX | (No Data) | (No Data) | 754 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.55 | 132724.37 | 132724.37 | XXXX | XXXX | 43.37 | 41.48 | Fully Amortized | 7.375 | 3868.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2065590 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.7500 | 3690.96 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Tenant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 247.98 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 6 | No | Present | XXXX | 172 | 4000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 | 775 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 767 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.56 | 132724.37 | 132724.37 | XXXX | XXXX | 3.01 | 3.01 | Fully Amortized | 7.750 | 3690.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065597 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 8.1250 | 1587.08 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Urban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 47.16 | (No Data) | (No Data) | (No Data) | 250.00 | Present | XXXX | 2 | No | Present | XXXX | 197 | 13700.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 | 737 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 722 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.57 | 132724.37 | 132724.37 | XXXX | XXXX | 105.28 | 102.11 | Fully Amortized | 8.125 | 1651.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065598 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 4688.31 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 66.70 | 66.70 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 203.67 | (No Data) | (No Data) | (No Data) | 10.00 | Present | XXXX | 1 | No | Present | XXXX | 222 | 20000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 695 | 706 | 698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 698 | XXXX | XXXX | 51.46 | 51.46 | XXXX | XXXX | 132724.58 | 132724.37 | 132724.37 | XXXX | XXXX | 6.57 | 6.57 | Fully Amortized | 7.999 | 4688.32 | 51.46 | 51.46 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D C | D A | A D C | D A | A | IRS Transcripts – Tax Return(s) - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 2065599 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.2500 | 1100.01 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 52.67 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 9 | 25000.00 | 19 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 | 764 | 768 | XXXX | (No Data) | (No Data) | 764 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.59 | 132724.37 | 132724.37 | XXXX | XXXX | 126.72 | 126.72 | Fully Amortized | 7.250 | 1100.01 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065600 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.2500 | 1790.03 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 79.52 | 79.52 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 45.09 | (No Data) | (No Data) | 0.00 | 527.91 | Present | XXXX | 4 | No | Present | XXXX | 25 | 24000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 | 808 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 797 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.60 | 132724.37 | 132724.37 | XXXX | XXXX | 54.56 | 54.56 | Fully Amortized | 7.250 | 1790.04 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065601 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.7500 | 1134.42 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 166.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 3 | No | Present | XXXX | 73 | 11000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 679 | 621 | 641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 641 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.61 | 132724.37 | 132724.37 | XXXX | XXXX | 14.7 | 14.70 | Fully Amortized | 8.750 | 1134.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065602 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 1200.90 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 88.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 64 | 14000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 | 717 | 716 | XXXX | (No Data) | (No Data) | 716 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.62 | 132724.37 | 132724.37 | XXXX | XXXX | 113.06 | 113.06 | Fully Amortized | 7.500 | 1200.91 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months |
| 2065603 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.7500 | 3438.78 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1025 Multi-Fam (Mar 05) | XXXX | XXXX | XXXX | XXXX | 2 Family | 2 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 492.84 | (No Data) | (No Data) | 166.07 | 0.00 | Present | XXXX | 5 | No | Present | XXXX | 183 | 18200.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 | 763 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 742 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.63 | 132724.37 | 132724.37 | XXXX | XXXX | 17.04 | 17.04 | Fully Amortized | 7.750 | 3438.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065604 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 8.3750 | 1881.18 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 129.67 | (No Data) | (No Data) | (No Data) | 276.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 99 | 27674.00 | 9 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 | 713 | 706 | XXXX | (No Data) | (No Data) | 706 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.64 | 132724.37 | 132724.37 | XXXX | XXXX | 83.81 | 86.30 | Fully Amortized | 8.375 | 1790.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065605 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 1582.58 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 26.67 | 26.67 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 875.31 | (No Data) | (No Data) | 0.00 | 100.00 | Present | XXXX | 3 | No | Present | XXXX | 29 | 25000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 | 792 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 | 814 | 789 | XXXX | (No Data) | (No Data) | 789 | XXXX | XXXX | 22.15 | 43.6 | XXXX | XXXX | 132724.65 | 132724.37 | 132724.37 | XXXX | XXXX | 66.74 | 66.74 | Fully Amortized | 6.750 | 1582.58 | 22.15 | 43.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D C | D A | A D C | D A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 2065606 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.7500 | 1252.82 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 139.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 167 | 14000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 659 | 723 | 654 | XXXX | (No Data) | (No Data) | 659 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.66 | 132724.37 | 132724.37 | XXXX | XXXX | 0 | 0.00 | Fully Amortized | 8.750 | 1252.83 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065608 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 1129.89 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1025 Multi-Fam (Mar 05) | XXXX | XXXX | XXXX | XXXX | 2 Family | 2 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 123.92 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 1 | 2500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | 619 | XXXX | (No Data) | (No Data) | 680 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.67 | 132724.37 | 132724.37 | XXXX | XXXX | 16.19 | 16.19 | Fully Amortized | 7.999 | 1129.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065610 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.1250 | 1202.59 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Tenant | As-Is | XXXX |  | XXXX | 48.24 | 48.24 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 277.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 240 | 28535.00 | 12 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 | 724 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 | 714 | 719 | XXXX | (No Data) | (No Data) | 729 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.68 | 132724.37 | 132724.37 | XXXX | XXXX | 81.3 | 81.30 | Fully Amortized | 7.125 | 1202.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065611 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 1436.60 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 157.42 | (No Data) | (No Data) | (No Data) | 25.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 216 | 15000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 | 774 | 778 | XXXX | (No Data) | (No Data) | 774 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.69 | 132724.37 | 132724.37 | XXXX | XXXX | 5.1 | 5.10 | Fully Amortized | 7.375 | 1436.61 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065612 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 1102.89 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 92.75 | (No Data) | (No Data) | (No Data) | 533.00 | Present | XXXX | 2 | No | Present | XXXX | 180 | 5830.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 | 734 | 748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 748 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.70 | 132724.37 | 132724.37 | XXXX | XXXX | 553.78 | 553.78 | Fully Amortized | 7.999 | 1102.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | B C A | C B A | B | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065613 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 2295.00 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 188.41 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 194 | 85000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 | 802 | 775 | XXXX | (No Data) | (No Data) | 799 | XXXX | XXXX | 4.14 | 9.24 | XXXX | XXXX | 132724.71 | 132724.37 | 132724.37 | XXXX | XXXX | 110.14 | 110.14 | Fully Amortized | 7.999 | 2295.00 | 4.14 | 9.24 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 2065614 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 2162.85 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 76.50 | 76.50 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 163.60 | (No Data) | (No Data) | (No Data) | 632.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 180 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 805 | 790 | 812 | XXXX | (No Data) | (No Data) | 805 | XXXX | XXXX | 22.62 | 46.08 | XXXX | XXXX | 132724.72 | 132724.37 | 132724.37 | XXXX | XXXX | 43.03 | 43.03 | Fully Amortized | 6.999 | 2162.85 | 22.62 | 46.08 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Award Letter - 12 months | (No Data) | (No Data) |
| 2065615 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 1139.61 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 55.00 | 55.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 219.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 284 | 7550.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 | 693 | 696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 693 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.73 | 132724.37 | 132724.37 | XXXX | XXXX | 78.89 | 78.89 | Fully Amortized | 7.375 | 1139.62 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065616 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 8564.37 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1025 Multi-Fam (Mar 05) | XXXX | XXXX | XXXX | XXXX | 4 Family | 4 | XXXX | Urban | Owner | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 263.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 25 | 30900.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 | 814 | 820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 814 | XXXX | XXXX | 24.52 | 30.47 | XXXX | XXXX | 132724.74 | 132724.37 | 132724.37 | XXXX | XXXX | 12.79 | 12.79 | Fully Amortized | 7.375 | 8564.38 | 24.52 | 30.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D | D B A | B D | D B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065617 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.1250 | 1010.58 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 66.14 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 4 | No | Present | XXXX | 240 | 900.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 806 | 787 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 792 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.75 | 132724.37 | 132724.37 | XXXX | XXXX | 214.94 | 214.94 | Fully Amortized | 7.125 | 1010.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065618 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.8750 | 1923.87 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX | Not Applicable | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 150.50 | (No Data) | (No Data) | 99.50 | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 223 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 | 641 | 662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 662 | XXXX | XXXX | 22.49 | 40.5 | XXXX | XXXX | 132724.76 | 132724.37 | 132724.37 | XXXX | XXXX | 10.39 | 10.39 | Fully Amortized | 8.875 | 1923.87 | 22.49 | 40.5 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) |
| 2065619 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.1250 | 5874.29 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 196.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 196 | 58000.00 | 44 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 | 793 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 773 | XXXX | XXXX | 25.06 | 39.35 | XXXX | XXXX | 132724.77 | 132724.37 | 132724.37 | XXXX | XXXX | 35.16 | 35.16 | Fully Amortized | 7.125 | 5874.29 | 25.06 | 39.35 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D | D B A | A D | D B A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065620 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.8750 | 1409.53 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 31.09 | (No Data) | (No Data) | (No Data) | 141.00 | Present | XXXX | 2 | No | Present | XXXX | 103 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 | 741 | 748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 741 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.78 | 132724.37 | 132724.37 | XXXX | XXXX | 5.15 | 5.15 | Fully Amortized | 7.875 | 1409.54 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065621 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.8750 | 1401.53 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 168.60 | (No Data) | (No Data) | 39.43 | 83.00 | Present | XXXX | 2 | No | Present | XXXX | 88 | 25000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 622 | 618 | 622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 622 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.79 | 132724.37 | 132724.37 | XXXX | XXXX | 58.96 | 58.96 | Fully Amortized | 8.875 | 1401.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065622 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 2905.72 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 72.86 | 72.86 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 235.80 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 36 | 7500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 | 798 | 775 | XXXX | (No Data) | (No Data) | 775 | XXXX | XXXX | 5.04 | 19.88 | XXXX | XXXX | 132724.80 | 132724.37 | 132724.37 | XXXX | XXXX | 52.07 | 52.07 | Fully Amortized | 6.750 | 2905.72 | 5.04 | 19.88 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 2065623 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.8750 | 1640.63 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 57.87 | 57.87 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 186.17 | (No Data) | (No Data) | (No Data) | 41.25 | Present | XXXX | 2 | No | Present | XXXX | 119 | 22500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 | 728 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 710 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.81 | 132724.37 | 132724.37 | XXXX | XXXX | 53.88 | 52.36 | Fully Amortized | 7.875 | 1714.88 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065624 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 9089.79 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 61.90 | 61.90 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 99.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 302 | 35505.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 802 | 786 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 786 | XXXX | XXXX | 47.74 | 49.56 | XXXX | XXXX | 132724.82 | 132724.37 | 132724.37 | XXXX | XXXX | 2.02 | 2.02 | Fully Amortized | 7.500 | 9089.79 | 47.74 | 49.56 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) |
| 2065625 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 1153.70 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1025 Multi-Fam (Mar 05) | XXXX | XXXX | XXXX | XXXX | 2 Family | 2 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 226.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 271 | 27500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 | 799 | 771 | XXXX | (No Data) | (No Data) | 799 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.83 | 132724.37 | 132724.37 | XXXX | XXXX | 17.71 | 17.71 | Fully Amortized | 7.500 | 1153.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065626 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 5499.31 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 359.93 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 372 | 22000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 | 774 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 774 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.84 | 132724.37 | 132724.37 | XXXX | XXXX | 37.86 | 36.66 | Fully Amortized | 7.999 | 5735.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065627 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.7500 | 2475.92 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Urban | Tenant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 44.67 | (No Data) | (No Data) | (No Data) | 216.67 | Present | XXXX | 2 | No | Present | XXXX | 68 | 34432.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 | 738 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 | 744 | 745 | XXXX | (No Data) | (No Data) | 738 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.85 | 132724.37 | 132724.37 | XXXX | XXXX | 111.28 | 111.28 | Fully Amortized | 7.750 | 2475.93 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065628 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 1328.91 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 248.78 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 446 | 24100.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 | 739 | 756 | XXXX | (No Data) | (No Data) | 756 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.86 | 132724.37 | 132724.37 | XXXX | XXXX | 15.7 | 15.02 | Fully Amortized | 6.750 | 1425.44 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065629 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.2500 | 1719.08 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 67.28 | (No Data) | (No Data) | (No Data) | 49.00 | Present | XXXX | 2 | No | Present | XXXX | 36 | 40385.00 | 10 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 | 717 | 681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 | 719 | 719 | XXXX | (No Data) | (No Data) | 713 | XXXX | XXXX | 22.05 | 41.8 | XXXX | XXXX | 132724.87 | 132724.37 | 132724.37 | XXXX | XXXX | 32.95 | 32.95 | Fully Amortized | 7.250 | 1719.09 | 22.05 | 41.8 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 2065630 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 6890.63 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 63.31 | 63.31 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 355.42 | (No Data) | (No Data) | (No Data) | 325.00 | Present | XXXX | 4 | No | Present | XXXX | 240 | 33800.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 | 759 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 785 | XXXX | XXXX | 35.73 | 38.65 | XXXX | XXXX | 132724.88 | 132724.37 | 132724.37 | XXXX | XXXX | 12.07 | 12.07 | I/O Amount | 6.750 | 6890.62 | 35.73 | 38.65 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) |
| 2065631 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 1480.59 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Urban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 53.15 | (No Data) | (No Data) | (No Data) | 330.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 300 | 75000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 | 764 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 | 764 | 761 | XXXX | (No Data) | (No Data) | 761 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.89 | 132724.37 | 132724.37 | XXXX | XXXX | 536.46 | 536.46 | Fully Amortized | 7.500 | 1480.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065632 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.8750 | 1323.71 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 97.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 3 | No | Present | XXXX | 319 | 10450.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 | 779 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 777 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.90 | 132724.37 | 132724.37 | XXXX | XXXX | 23.51 | 23.51 | Fully Amortized | 6.875 | 1323.72 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065633 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.7500 | 1431.79 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 482.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 69 | 25800.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 648 | 656 | 664 | XXXX | (No Data) | (No Data) | 656 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.91 | 132724.37 | 132724.37 | XXXX | XXXX | 80.94 | 80.94 | Fully Amortized | 8.750 | 1431.80 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065636 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 7982.82 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Owner | As-Is | XXXX |  | XXXX | 47.06 | 47.06 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 288.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 286 | 25000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 811 | 815 | 820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 816 | 815 | 805 | XXXX | (No Data) | (No Data) | 815 | XXXX | XXXX | 26.09 | 45.47 | XXXX | XXXX | 132724.92 | 132724.37 | 132724.37 | XXXX | XXXX | 9.08 | 9.08 | Fully Amortized | 6.999 | 7982.83 | 26.09 | 45.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) |
| 2065637 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.8750 | 6163.09 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1025 Multi-Fam (Mar 05) | XXXX | XXXX | XXXX | XXXX | 2 Family | 2 | XXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXX |  | XXXX | 61.15 | 61.15 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 240.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 192 | 27600.00 | 10 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 | 696 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 713 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.93 | 132724.37 | 132724.37 | XXXX | XXXX | 32.92 | 32.92 | Fully Amortized | 7.875 | 6163.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065638 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.8750 | 2023.34 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 47.07 | (No Data) | (No Data) | (No Data) | 275.00 | Present | XXXX | 1 | No | Present | XXXX | 84 | 17540.00 | 11 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 | 724 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 731 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.94 | 132724.37 | 132724.37 | XXXX | XXXX | 115.54 | 115.54 | Fully Amortized | 6.875 | 2023.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D C | A B | A D C | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065639 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.9990 | 3259.15 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 90.00 | 90.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 149.59 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 235 | 25000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 | 814 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 | 803 | 804 | XXXX | (No Data) | (No Data) | 796 | XXXX | XXXX | 24.99 | 50.13 | XXXX | XXXX | 132724.95 | 132724.37 | 132724.37 | XXXX | XXXX | 13 | 13.00 | Fully Amortized | 8.999 | 3259.16 | 24.99 | 50.13 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) |
| 2065640 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 1704.34 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 389.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 216 | 14000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 | 743 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 743 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.96 | 132724.37 | 132724.37 | XXXX | XXXX | 35.04 | 35.04 | Fully Amortized | 7.500 | 1704.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065641 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 1330.47 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 42.11 | 42.11 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 175.26 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 229 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 | 767 | 748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 748 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.97 | 132724.37 | 132724.37 | XXXX | XXXX | 0.04 | 0.04 | Fully Amortized | 6.999 | 1330.48 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065642 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.2500 | 1332.19 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 172.37 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 98 | 79224.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 | 733 | 753 | XXXX | (No Data) | (No Data) | 753 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.98 | 132724.37 | 132724.37 | XXXX | XXXX | 26.92 | 26.92 | Fully Amortized | 7.250 | 1332.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2065643 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 20 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.2500 | 1719.07 | Monthly | XXXX | 240 | 240 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Leasehold | XXXX | 54.17 | (No Data) | (No Data) | (No Data) | 2130.54 | Present | XXXX | 1 | No | Present | XXXX | 60 | 9700.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 | 771 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 771 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.99 | 132724.37 | 132724.37 | XXXX | XXXX | 5.41 | 5.41 | Fully Amortized | 7.250 | 1719.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065644 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 8.9990 | 4769.38 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 306.82 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | 4 | No | Present | XXXX | 219 | 81497.00 | 13 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 656 | 674 | 601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 623 | 588 | 624 | XXXX | (No Data) | (No Data) | 623 | XXXX | XXXX | 11.87 | 28.42 | XXXX | XXXX | 132724.100 | 132724.37 | 132724.37 | XXXX | XXXX | 70.33 | 70.33 | Fully Amortized | 8.999 | 4769.38 | 11.87 | 28.42 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 2065645 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.6250 | 1406.74 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 113.23 | (No Data) | (No Data) | (No Data) | 330.00 | Present | XXXX | 2 | No | Present | XXXX | 78 | 14000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 | 752 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 639 | 649 | 589 | XXXX | (No Data) | (No Data) | 702 | XXXX | XXXX | 12.83 | 16.47 | XXXX | XXXX | 132724.101 | 132724.37 | 132724.37 | XXXX | XXXX | 35.98 | 35.98 | Fully Amortized | 7.625 | 1406.75 | 12.83 | 16.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months | Personal Bank Statements - 12 months | (No Data) | (No Data) |
| 2065646 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 3139.91 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 193.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 100 | 11500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 | 684 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 | 710 | 687 | XXXX | (No Data) | (No Data) | 712 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.102 | 132724.37 | 132724.37 | XXXX | XXXX | 260.2 | 260.20 | Fully Amortized | 6.999 | 3139.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) |
| 2065647 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.7500 | 2712.50 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX | Not Applicable | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 75.93 | (No Data) | (No Data) | (No Data) | 59.00 | Present | XXXX | 2 | No | Present | XXXX | 1505 | 0.00 | 0 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 | 693 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 693 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.103 | 132724.37 | 132724.37 | XXXX | XXXX | 4.61 | 4.44 | Fully Amortized | 7.750 | 2841.81 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065648 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 1715.01 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX | Not Applicable | XXXX | 85.00 | 85.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 111.79 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 148 | 69351.00 | 11 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 | 729 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 743 | XXXX | XXXX | 21.92 | 36.11 | XXXX | XXXX | 132724.104 | 132724.37 | 132724.37 | XXXX | XXXX | 8.35 | 8.35 | Fully Amortized | 7.999 | 1715.02 | 21.92 | 36.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) |
| 2065649 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 2839.22 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 107.34 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 109 | 18000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 | 745 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 749 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.105 | 132724.37 | 132724.37 | XXXX | XXXX | 7.91 | 7.44 | Fully Amortized | 6.750 | 3045.45 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065650 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 706.97 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 35.62 | 35.62 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 233.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 293 | 12200.00 | 3 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 | 761 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 761 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.106 | 132724.37 | 132724.37 | XXXX | XXXX | 27.87 | 27.87 | Fully Amortized | 6.750 | 706.98 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065651 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.7500 | 4405.94 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Owner | As-Is | XXXX |  | XXXX | 68.33 | 68.33 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 355.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 5 | No | Present | XXXX | 154 | 24100.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 679 | 720 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 | 711 | 704 | XXXX | (No Data) | (No Data) | 708 | XXXX | XXXX | 28.27 | 35.54 | XXXX | XXXX | 132724.107 | 132724.37 | 132724.37 | XXXX | XXXX | 13.53 | 13.53 | Fully Amortized | 7.750 | 4405.94 | 28.27 | 35.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 252 months | (No Data) | (No Data) | (No Data) |
| 2065653 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 1468.84 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 139.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 199 | 10000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | (No Data) | (No Data) | 791 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.108 | 132724.37 | 132724.37 | XXXX | XXXX | 20.99 | 20.99 | Fully Amortized | 6.999 | 1468.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2065654 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 1031.25 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 254.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 220 | 25000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 | 800 | 788 | XXXX | (No Data) | (No Data) | 791 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.109 | 132724.37 | 132724.37 | XXXX | XXXX | 101.01 | 97.48 | Fully Amortized | 7.500 | 1085.82 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065655 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 924.68 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 32.71 | 32.71 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 78.35 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 70 | 18300.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 | 761 | 772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 761 | XXXX | XXXX | 27.17 | 30.16 | XXXX | XXXX | 132724.110 | 132724.37 | 132724.37 | XXXX | XXXX | 75.08 | 75.08 | Fully Amortized | 6.999 | 924.68 | 27.17 | 30.16 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 2065657 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.6250 | 7661.16 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 609.91 | (No Data) | (No Data) | 0.00 | 443.08 | Present | XXXX | 2 | No | Present | XXXX | 312 | 73044.00 | 5 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 | 781 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 | 782 | 776 | XXXX | (No Data) | (No Data) | 781 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.111 | 132724.37 | 132724.37 | XXXX | XXXX | 210.61 | 210.61 | Fully Amortized | 7.625 | 7661.16 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Personal Bank Statements - 6 months | Personal Bank Statements - 6 months | (No Data) | (No Data) |
| 2065658 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 1503.60 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1025 Multi-Fam (Mar 05) | XXXX | XXXX | XXXX | XXXX | 2 Family | 2 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 70.00 | 70.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 133.25 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 9 | 27200.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 | 726 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 726 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.112 | 132724.37 | 132724.37 | XXXX | XXXX | 43.91 | 43.91 | Fully Amortized | 7.375 | 1503.60 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065659 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 8.1250 | 5027.34 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 55.00 | 55.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 123.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 238 | 3000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 | 718 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 702 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.113 | 132724.37 | 132724.37 | XXXX | XXXX | 33.84 | 33.84 | Qualifying Rate | 8.125 | 5027.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065660 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 3301.36 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 59.25 | 59.25 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 317.50 | (No Data) | (No Data) | (No Data) | 65.00 | Present | XXXX | 6 | No | Present | XXXX | 255 | 11000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 | 720 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 717 | XXXX | XXXX | 8.07 | 21.38 | XXXX | XXXX | 132724.114 | 132724.37 | 132724.37 | XXXX | XXXX | 71.29 | 71.29 | Fully Amortized | 6.750 | 3301.37 | 8.07 | 21.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065661 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.9990 | 2261.61 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 82.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 384 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 | 748 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 757 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.115 | 132724.37 | 132724.37 | XXXX | XXXX | 104.79 | 104.79 | Fully Amortized | 7.999 | 2261.62 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065662 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 3251.35 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 145.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 4 | No | Present | XXXX | 264 | 32300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 | 701 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 | 716 | 741 | XXXX | (No Data) | (No Data) | 741 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.116 | 132724.37 | 132724.37 | XXXX | XXXX | 22.08 | 22.08 | Fully Amortized | 7.500 | 3251.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065663 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.6250 | 6709.88 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Rural | Vacant | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 251.25 | (No Data) | (No Data) | (No Data) | 27.08 | Present | XXXX | 4 | No | Present | XXXX | 154 | 90640.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 | 759 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 | 749 | 732 | XXXX | (No Data) | (No Data) | 759 | XXXX | XXXX | 5.58 | 24.54 | XXXX | XXXX | 132724.117 | 132724.37 | 132724.37 | XXXX | XXXX | 52.98 | 52.97 | Fully Amortized | 7.625 | 6709.89 | 5.58 | 24.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Business Bank Statements - 11 months | (No Data) | (No Data) | (No Data) |
| 2065664 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 1263.31 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 70.35 | 70.35 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 73.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 81 | 41141.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 | 775 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 768 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.118 | 132724.37 | 132724.37 | XXXX | XXXX | 118.11 | 118.11 | Fully Amortized | 7.375 | 1263.32 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt C | A | A C | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065665 | XXXX | XXXX | XXXX | No | XXXX | XXXX | No | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.6250 | 2615.01 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX | Not Applicable | XXXX | 71.05 | 71.05 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 115.49 | (No Data) | (No Data) | 0.00 | 23.00 | Present | XXXX | 2 | No | Present | XXXX | 152 | 27000.00 | 28 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 | 800 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 | 787 | 768 | XXXX | (No Data) | (No Data) | 746 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.119 | 132724.37 | 132724.37 | XXXX | XXXX | 28.11 | 28.11 | Fully Amortized | 7.625 | 2615.02 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months |
| 2065666 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.3750 | 1585.10 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepaid in 12 mos | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 48.32 | 48.32 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXX | 99.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 576 | 39339.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 | 743 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 719 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.120 | 132724.37 | 132724.37 | XXXX | XXXX | 66.41 | 66.41 | Fully Amortized | 7.375 | 1585.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065667 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 2595.42 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Rural | Vacant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 298.42 | (No Data) | (No Data) | 79.33 | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 14 | 9000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 | 774 | 735 | XXXX | (No Data) | (No Data) | 753 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.121 | 132724.37 | 132724.37 | XXXX | XXXX | 268.36 | 268.36 | Fully Amortized | 6.999 | 2595.42 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065668 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 4472.34 | Monthly | XXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 76.13 | 76.13 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 215.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 269 | 20000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 | 760 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 762 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.122 | 132724.37 | 132724.37 | XXXX | XXXX | 37.26 | 35.94 | Qualifying Rate, Fully Amortized | 7.500 | 4708.99 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065669 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.8750 | 4971.64 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 94.08 | (No Data) | (No Data) | (No Data) | 77.00 | Present | XXXX | 5 | No | Present | XXXX | 137 | 5000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 | 761 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 | 766 | 753 | XXXX | (No Data) | (No Data) | 758 | XXXX | XXXX | 33.67 | 38.51 | XXXX | XXXX | 132724.123 | 132724.37 | 132724.37 | XXXX | XXXX | 6.15 | 6.15 | Fully Amortized | 6.875 | 4971.64 | 33.67 | 38.51 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 2065670 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.9990 | 4789.69 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | Detached PUD | 1 | XXXX | Suburban | Owner | As-Is | XXXX |  | XXXX | 80.00 | 80.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Attorney Opinion | Fee Simple | XXXX | 110.96 | (No Data) | (No Data) | (No Data) | 10.41 | Present | XXXX | 3 | No | Present | XXXX | 200 | 24000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 | 782 | 770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 813 | 809 | 808 | XXXX | (No Data) | (No Data) | 782 | XXXX | XXXX | 11.19 | 37.46 | XXXX | XXXX | 132724.124 | 132724.37 | 132724.37 | XXXX | XXXX | 37.21 | 37.21 | Fully Amortized | 6.999 | 4789.70 | 11.19 | 37.46 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) |
| 2065671 | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 6.7500 | 843.18 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Vacant | As-Is | XXXX |  | XXXX | 65.00 | 65.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 100.82 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 1 | No | Present | XXXX | 64 | 7700.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 | 767 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | 781 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.125 | 132724.37 | 132724.37 | XXXX | XXXX | 8.83 | 8.83 | Fully Amortized | 6.750 | 843.18 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 2065673 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 10484.02 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 57.67 | 57.67 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 542.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 436 | 31500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 | 779 | 726 | XXXX | (No Data) | (No Data) | 730 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.126 | 132724.37 | 132724.37 | XXXX | XXXX | 68.76 | 68.76 | Fully Amortized | 7.500 | 10484.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 2065674 | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.5000 | 5113.01 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXX | XXXX | Present | 1073 Condo (Mar 05) | XXXX | XXXX | XXXX | XXXX | Low Rise Condo (1-4) | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 75.00 | 75.00 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 71.08 | (No Data) | (No Data) | (No Data) | 1750.00 | Present | XXXX | Not Applicable | No | Present | XXXX | 217 | 250000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Not Applicable | Not Applicable | Not Applicable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 | 778 | 768 | XXXX | (No Data) | (No Data) | 778 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.127 | 132724.37 | 132724.37 | XXXX | XXXX | 56.29 | 56.29 | Fully Amortized | 7.500 | 5113.01 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt D B | N/A B | N/A D B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 2065675 | XXXX | XXXX | XXXX | No | XXXX | XXXX | (No Data) | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXX | XXXX | XXXX | 7.2500 | 3410.88 | Monthly | XXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXX | XXXX | Present | 1004 SFR (Mar 05) | XXXX | XXXX | XXXX | XXXX | SFR | 1 | XXXX | Suburban | Tenant | As-Is | XXXX |  | XXXX | 54.05 | 54.05 | 0 | Present | XXXX | XXXX | XXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXX | 104.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXX | 2 | No | Present | XXXX | 474 | 35000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 | 805 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 | 726 | 726 | XXXX | (No Data) | (No Data) | 692 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 132724.128 | 132724.37 | 132724.37 | XXXX | XXXX | 129.67 | 129.67 | Fully Amortized | 7.250 | 3410.89 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |

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## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 5**

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| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *92* |  |  |  | **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** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 2058655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | -6.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 2065561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| 2065565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |
| 2065567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 2065568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | -5.97% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 2065583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2065584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 2065599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 2065600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2065603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | -5.66% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | -7.22% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 2065614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 2065615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | -4.84% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% | XXXX | 0 |  | XXXX | XXXX | XXXX | 0.95% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 2065620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2065625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 2065637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 2065641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 2065653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 2065655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 2065664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | -10.34% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 2065665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 2065668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 2065674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 2065675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |

---

## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 6**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *92* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **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** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 2058655 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9460.76 | XXXX | 7.4187 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065416 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 13363.3 | XXXX | 7.0798 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065560 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065561 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065563 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 8464.7 | XXXX | 8.6209 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065565 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065567 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 21239 | XXXX | 7.2421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065568 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065569 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 10225.25 | XXXX | 9.8914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065570 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 25875.25 | XXXX | 9.2715 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065573 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065574 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 14997 | XXXX | 7.3972 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 2065577 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9643.1 | XXXX | 8.2097 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065578 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 16391.5 | XXXX | 7.7572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10472.7 |
| 2065579 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065580 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065582 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065583 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065584 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065590 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065597 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065598 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 16001.5 | XXXX | 8.0642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065599 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065600 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065601 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065602 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065603 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065604 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065605 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 6744 | XXXX | 7.0587 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065606 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065608 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 2065610 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.4813 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065611 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065612 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 5502 | XXXX | 8.4241 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065613 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065614 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065615 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065616 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 27239 | XXXX | 7.6159 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065617 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065618 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 9684 | XXXX | 9.362 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065619 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 3379.01 | XXXX | 7.1186 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065620 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065621 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065622 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065623 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065624 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 40794 | XXXX | 7.6188 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12013.71 |
| 2065625 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065626 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065627 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065628 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.7499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065629 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 6300.2 | XXXX | 7.5088 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 5792.79 |
| 2065630 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 35431.5 | XXXX | 7.0212 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2250 |
| 2065631 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065632 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065633 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 2065636 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 25744 | XXXX | 7.0239 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065637 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065638 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065639 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 12883.98 | XXXX | 9.4162 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065640 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065641 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065642 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.4469 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065643 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065644 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 18787 | XXXX | 9.0982 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065645 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7410.88 | XXXX | 8.1398 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065646 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 18854 | XXXX | 7.4241 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065647 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065648 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 7003.38 | XXXX | 8.346 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065649 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.7499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065650 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065651 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 5435.98 | XXXX | 7.8718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065653 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 2065654 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065655 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 3096.51 | XXXX | 7.2156 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065657 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 22804.75 | XXXX | 7.6594 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065658 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065659 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065660 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXX | XXXX | No | No | 1735.45 | XXXX | 6.7815 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 2065661 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065662 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065663 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 20781.61 | XXXX | 7.807 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065664 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065665 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 2065666 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065667 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065668 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065669 | QM: Safe Harbor (APOR) | No | Yes | XXXX | XXXX | No | Yes | 13096 | XXXX | 7.1003 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 2065670 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065671 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2065673 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065674 | ATR/QM: Exempt | No | Yes | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 2065675 | ATR/QM: Exempt | No | N/A | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (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. | <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. | <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 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *92* | *92* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 2058655 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4187 | No | No | 2.928 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.99 | 49.22 | 48.99 | 49.22 | 49.22 | 49.22 | No | No | (No Data) | 3539.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065416 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0798 | No | No | 1.288 | 1.288 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.39 | 49.85 | 49.39 | 49.85 | 49.85 | 49.85 | No | No | (No Data) | 11138.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 2 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 2 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065560 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8186.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 12000.00 | 1.4659 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065561 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.91 | 0 | 47.91 | 47.91 | 47.91 | (No Data) | (No Data) | (No Data) | 15824.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065563 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6209 | Yes | Yes | 2.165 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.17 | 30.17 | 30.17 | 30.17 | 30.17 | 30.17 | No | No | (No Data) | 23600.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065565 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1666.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2000.00 | 1.1999 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065567 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2421 | Yes | Yes | 1.146 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.45 | 38.45 | 38.45 | 38.45 | 38.45 | 38.45 | No | No | (No Data) | 52468.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065568 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1736.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.0076 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065569 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.8914 | No | No | 3.915 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | No | No | (No Data) | 5193.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065570 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.2715 | No | No | 4.635 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.59 | 53.59 | 53.59 | 53.59 | 53.59 | 53.59 | No | No | (No Data) | 7635.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065573 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3308.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.7556 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065574 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3972 | Yes | Yes | 3.902 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 | 3.32 | No | No | (No Data) | 108358.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | Work Visa | (No Data) | (No Data) | (No Data) |
| 2065577 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2097 | Yes | Yes | 1.905 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.2 | 42.19 | 42.2 | 42.19 | 42.19 | 42.19 | No | No | (No Data) | 6975.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065578 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7572 | Yes | Yes | 3.653 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.03 | 33.03 | 33.03 | 33.03 | 33.03 | 33.03 | Yes | Yes | Yes | 10472.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065579 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2888.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0384 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065580 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0.792 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2276.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.3178 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065582 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.6 | 0 | 43.6 | 43.6 | 43.6 | (No Data) | (No Data) | (No Data) | 61865.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065583 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1958.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.1741 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065584 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4480.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10000.00 | No | (No Data) | 2.2318 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065590 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4316.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.1582 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065597 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2083.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.1040 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065598 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0642 | No | No | 2.536 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 51.46 | 51.46 | 51.46 | 51.46 | 51.46 | 51.46 | No | No | (No Data) | 5334 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065599 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1191.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.0074 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065600 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2792.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2795.00 | No | (No Data) | 1.0007 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065601 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1398.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065602 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1421.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1680.00 | No | (No Data) | 1.1816 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065603 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4669.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.0278 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065604 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3129.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.7988 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065605 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0587 | No | No | 2.855 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.6 | 0 | 43.6 | 43.6 | 43.6 | No | No | (No Data) | 10144.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065606 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1497.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.2016 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065608 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1458.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 2.0570 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065610 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4813 | No | No | 8.329 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1528.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.5049 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065611 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1711.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.0806 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065612 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.4241 | No | Yes | 3.813 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -1770.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065613 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 9.24 | 0 | 9.24 | 9.24 | 9.24 | (No Data) | (No Data) | (No Data) | 53693.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065614 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.08 | 0 | 46.08 | 46.08 | 46.08 | (No Data) | (No Data) | (No Data) | 10274.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Award Letter - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065615 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1857.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1875.00 | No | (No Data) | 1.0092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065616 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6159 | Yes | No | 2.249 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.47 | 0 | 30.47 | 30.47 | 30.47 | No | No | (No Data) | 25729.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065617 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1481.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1225.00 | No | (No Data) | 1.0288 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065618 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.3620 | Yes | Yes | 4.183 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.49 | 40.5 | 39.49 | 40.5 | 40.5 | 40.5 | No | No | (No Data) | 7126.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | 7 | XXXX | 36 | XXXX | 12 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065619 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1186 | Yes | Yes | 0.389 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.52 | 39.35 | 39.52 | 39.35 | 39.35 | 39.35 | No | No | (No Data) | 19294.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065620 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0.875 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1821.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.2079 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065621 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1782.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1860.00 | No | (No Data) | 1.0436 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065622 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.88 | 0 | 19.88 | 19.88 | 19.88 | (No Data) | (No Data) | (No Data) | 22453.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065623 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8144.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2550.00 | No | (No Data) | 1.0011 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065624 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6188 | No | No | 3.178 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.56 | 49.56 | 49.56 | 49.56 | 49.56 | 49.56 | Yes | Yes | Yes | 12013.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065625 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1611.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.2408 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065626 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7201.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5900.00 | No | (No Data) | 0.8193 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065627 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2957.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0143 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065628 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2135.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2400.00 | No | (No Data) | 1.1239 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065629 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5088 | Yes | Yes | 2.564 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.87 | 41.8 | 41.87 | 41.8 | 41.8 | 41.8 | Yes | Yes | Yes | 5792.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | Green Card | Green Card | (No Data) | (No Data) |
| 2065630 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0212 | Yes | No | 3.008 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.21 | 43.01 | 44.21 | 38.65 | 38.65 | 38.65 | Yes | Yes | Yes | 14852.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065631 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7084.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 0.9047 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065632 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1625.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.5383 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065633 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2040.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.4702 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | Green Card | (No Data) | (No Data) |
| 2065636 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0239 | No | No | 2.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.47 | 45.47 | 45.47 | 45.47 | 45.47 | 45.47 | No | No | (No Data) | 21228.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065637 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7382.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 0.8126 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065638 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2548.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0201 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065639 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4162 | No | No | 3.319 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.32 | 50.13 | 45.32 | 50.13 | 50.13 | 50.13 | No | No | (No Data) | 7771.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065640 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2290.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 0.8731 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065641 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1988.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.5086 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065642 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.4469 | No | No | 7.392 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1759.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2480.00 | No | (No Data) | 1.4092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065643 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5517.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6452.00 | No | (No Data) | 1.1692 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065644 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.0982 | Yes | No | 3.198 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 28.42 | 0 | 28.42 | 28.42 | 28.42 | No | No | (No Data) | 38781.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065645 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1398 | Yes | Yes | 3.921 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.47 | 16.47 | 16.47 | 16.47 | 16.47 | 16.47 | No | No | (No Data) | 13903.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065646 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4241 | No | Yes | 4.187 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3591.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065647 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3464.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3595.00 | No | (No Data) | 1.0377 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065648 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3460 | Yes | Yes | 3.111 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.11 | 36.11 | 36.11 | 36.11 | 36.11 | 36.11 | No | No | (No Data) | 7013.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065649 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3275.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.0075 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065650 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1312.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1725.00 | No | (No Data) | 1.3145 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065651 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8718 | Yes | Yes | 0.895 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.54 | 35.54 | 35.54 | 35.54 | 35.54 | 35.54 | No | No | (No Data) | 11951.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 252 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 252 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065653 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1892.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.0038 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065654 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1505.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.3284 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065655 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2156 | Yes | Yes | 2.279 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.38 | 30.16 | 32.38 | 30.16 | 30.16 | 30.16 | No | No | (No Data) | 3619.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065657 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6594 | No | Yes | 2.114 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -13230.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | Personal Bank Statements - 6 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065658 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1975.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.2656 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065659 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5256.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 0.7229 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065660 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7815 | Yes | Yes | 0.342 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.59 | 21.38 | 21.59 | 21.38 | 21.38 | 21.38 | No | No | (No Data) | 43586.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065661 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3704.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2050.00 | No | (No Data) | 0.8102 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065662 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3871.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 0.7748 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | Other | (No Data) | (No Data) | (No Data) |
| 2065663 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | 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 | 7.8070 | Yes | Yes | 2.242 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.21 | 24.54 | 21.21 | 24.54 | 24.54 | 24.54 | No | No | (No Data) | 46293.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 11 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065664 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1477 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.3541 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065665 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3163.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.7903 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | No | XXXX | 0 | XXXX | 0 | No | XXXX | Green Card | Green Card | (No Data) | (No Data) |
| 2065666 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3959.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.5323 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065667 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3173.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 0.7721 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065668 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6458.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6500.00 | No | (No Data) | 1.0063 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065669 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1003 | Yes | Yes | 1.778 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.51 | 38.51 | 38.51 | 38.51 | 38.51 | 38.51 | No | No | (No Data) | 11399.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065670 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.46 | 0 | 37.46 | 37.46 | 37.46 | (No Data) | (No Data) | (No Data) | 35380.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 24 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065671 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1261 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.2291 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065673 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12114.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 0.4127 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065674 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8179.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10800.00 | No | (No Data) | 1.3202 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 2065675 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3740.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 1.1763 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXX | 0 | XXXX | 0 | No | XXXX | (No Data) | (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. | <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. | <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 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 8**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *92* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 2058655 | XXXX | Original Appraised Value | XXXX | XXXX |
| 2058655 | XXXX | Original P&I | 0.0000 | 2249.89 |
| 2065416 | XXXX | Original P&I | 0.0000 | 7035.57 |
| 2065416 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065560 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065561 | XXXX | Cash Reserves | '-438183.6600 | 83743.18 |
| 2065561 | XXXX | Months Reserves | '-118.0000 | 22.44 |
| 2065563 | XXXX | Original Appraised Value | XXXX | XXXX |
| 2065567 | XXXX | Cash Reserves | 17629.6200 | 1067212.91 |
| 2065567 | XXXX | Months Reserves | 0.0000 | 60.96 |
| 2065567 | XXXX | Representative Credit Score for Grading | 714 | 705 |
| 2065570 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065573 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065574 | XXXX | Property Type | SFR | Detached PUD |
| 2065579 | XXXX | Original Appraised Value | XXXX | XXXX |
| 2065582 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065590 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065597 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065598 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065599 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065600 | XXXX | Cash Reserves | 136330.3100 | 152394.27 |
| 2065600 | XXXX | Months Reserves | 48.0000 | 54.56 |
| 2065601 | XXXX | Cash Reserves | 43021.4300 | 20550.44 |
| 2065601 | XXXX | Months Reserves | 30.0000 | 14.7 |
| 2065603 | XXXX | Original Appraised Value | XXXX | XXXX |
| 2065603 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065604 | XXXX | Cash Reserves | 365823.8800 | 262284.74 |
| 2065604 | XXXX | Months Reserves | 116.0000 | 83.81 |
| 2065604 | XXXX | Original P&I | 1727.3400 | 1881.18 |
| 2065606 | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 2065606 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065608 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065610 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065612 | XXXX | Cash Reserves | 1087767.7700 | 980214.15 |
| 2065612 | XXXX | Months Reserves | 614.0000 | 553.78 |
| 2065613 | XXXX | DTI Qualifying (Back) | 19.4300 | 9.239 |
| 2065614 | XXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 2065615 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065616 | XXXX | DTI Qualifying (Back) | 38.6700 | 30.4739 |
| 2065616 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065617 | XXXX | Cash Reserves | 330786.1600 | 255911.71 |
| 2065617 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065617 | XXXX | Months Reserves | 272.0000 | 214.94 |
| 2065619 | XXXX | Cash Reserves | 344561.3100 | 280246.21 |
| 2065619 | XXXX | Months Reserves | 43.0000 | 35.16 |
| 2065620 | XXXX | Cash Reserves | 43017.8600 | 9381.32 |
| 2065620 | XXXX | Months Reserves | 23.0000 | 5.15 |
| 2065621 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065621 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065623 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065624 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065627 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065627 | XXXX | Representative Credit Score for Grading | 744 | 738 |
| 2065627 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065629 | XXXX | Cash Reserves | 61448.1200 | 72331.1 |
| 2065629 | XXXX | Months Reserves | 27.0000 | 32.95 |
| 2065630 | XXXX | Cash Reserves | 84899.7700 | 104448.7 |
| 2065630 | XXXX | DTI Qualifying (Back) | 44.2100 | 38.6507 |
| 2065630 | XXXX | Months Reserves | 8.0000 | 12.07 |
| 2065631 | XXXX | Cash Reserves | 1175407.8300 | 1185742.74 |
| 2065631 | XXXX | Months Reserves | 531.0000 | 536.46 |
| 2065632 | XXXX | Cash Reserves | 165207.7600 | 38207.76 |
| 2065632 | XXXX | Months Reserves | 101.0000 | 23.51 |
| 2065636 | XXXX | DTI Qualifying (Back) | 41.8000 | 45.4747 |
| 2065636 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065637 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065637 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065638 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065639 | XXXX | Cash Reserves | 40521.9300 | 50621.75 |
| 2065639 | XXXX | DTI Qualifying (Back) | 45.3200 | 50.1297 |
| 2065639 | XXXX | Months Reserves | 10.0000 | 13 |
| 2065642 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065643 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065643 | XXXX | Product Type | 30 Yr Fixed | 20 Yr Fixed |
| 2065648 | XXXX | ATR/QM Status | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors |
| 2065651 | XXXX | Cash Reserves | 59614.9900 | 70916.05 |
| 2065651 | XXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 2065651 | XXXX | Months Reserves | 11.0000 | 13.53 |
| 2065655 | XXXX | Cash Reserves | 368737.4000 | 105717.4 |
| 2065655 | XXXX | Months Reserves | 242.0000 | 75.08 |
| 2065657 | XXXX | Cash Reserves | 2422296.9200 | 2145126.82 |
| 2065657 | XXXX | Months Reserves | 227.0000 | 210.61 |
| 2065657 | XXXX | Representative Credit Score for Grading | 782 | 781 |
| 2065659 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065660 | XXXX | Cash Reserves | 33586.2600 | 319010.01 |
| 2065660 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065660 | XXXX | Months Reserves | 7.0000 | 71.29 |
| 2065662 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065663 | XXXX | DTI Qualifying (Back) | 21.2600 | 24.5404 |
| 2065664 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065664 | XXXX | Original Appraised Value | XXXX | XXXX |
| 2065665 | XXXX | Cash Reserves | 127901.2300 | 88901.23 |
| 2065665 | XXXX | Months Reserves | 40.0000 | 28.11 |
| 2065665 | XXXX | Representative Credit Score for Grading | 775 | 746 |
| 2065666 | XXXX | Total Cash Out | XXXX | XXXX |
| 2065667 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065668 | XXXX | Disbursement Date | XXXX | XXXX |
| 2065670 | XXXX | DTI Qualifying (Back) | 30.6500 | 37.4625 |
| 2065675 | XXXX | Representative Credit Score for Grading | 726 | 692 |
|©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 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.04 Schedule 9**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 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 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05**

![](ex9905001.jpg)

Executive Summary<br> EFMT 2025-NQM5

(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 Ellington Management Group, LLC through Reliance Letters. The loan reviews were conducted from May 2025 through July 2025.

(2) Number of Assets.

There are 20 assets in the loan population.

(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;**Title and Date of Criteria** |
| Kroll Bond Rating Agency, LLC | ● | US RMBS Rating Methodology, dated December 7, 2023 |
| Fitch Ratings, Inc. | ● | U.S. RMBS Rating Criteria dated October 26, 2023 |

---

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.

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 20 mortgage loans with an aggregate original principal balance of approximately $14,806,460. The mortgage loans originated from May 2025 through July 2025 by eleven correspondent Sellers.

(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

Page 1 of 10

**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.

**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.

Page 2 of 10

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) 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.

Page 3 of 10

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.

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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 10

*<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;3 | &nbsp;&nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;85.00% |

---

**Document Review**

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

Page 6 of 10

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

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

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

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 20 mortgage loans reviewed, nine unique mortgage loans had a tape discrepancy across 21 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** | &nbsp;&nbsp; **Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;19 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;14 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;19 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

Page 7 of 10

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

(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 85.00% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 85.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 15.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**20** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;20 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**20** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**20** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 85.00% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 85.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 15.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**20** | **100.00%** |

---

Page 8 of 10

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

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;16 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;3 | &nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;13 | &nbsp;&nbsp;65.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;6 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;13 | &nbsp;&nbsp;65.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;4 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**Co-op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;5 | &nbsp;&nbsp;27.78% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;8 | &nbsp;&nbsp;44.44% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **18** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Two loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | &nbsp;&nbsp;**Two loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | &nbsp;&nbsp;**Two loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0-0.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.2-0.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.4-0.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.6-0.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.8-.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1-1.1999** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp; **1.2-1.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.4-1.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.6-1.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.8-1.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **=>2** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;4 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;13 | &nbsp;&nbsp;65.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**CA** | &nbsp;&nbsp;5 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;**CO** | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**DC** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**FL** | &nbsp;&nbsp;4 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**GA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**KY** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**LA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**MI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**NV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**NY** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**TX** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**WI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **20** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 10

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](image_002.jpg) |  |  |  |  |
| **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
| *Loans in Report: 20* |  |  |  |  |
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXX | 2051888 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2051890 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2051893 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2051895 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058654 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058657 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2065676 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 2058661 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2065413 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058663 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058670 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2065414 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2065677 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 2051905 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058675 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058678 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2058681 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2065678 | Not covered/exempt | No | No |
| XXXXXXXXXXX | 2058685 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXX | 2065679 | Non-QM: Compliant with ATR | No | Yes |
| **20** |  |  |  |  |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
| 2065676 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.1629 | XXXX | No | XXXX | XXXX | WI | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 2 |  |
| 2065676 | DSCR | 2 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | WI | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 2 |  |
| 2065676 | DSCR | 3 | XXXX | XXXX | Appraisal | XXXX |  |  | No | XXXX | XXXX | WI | XXXX | XXXX | XXXX | 3 | 1 | 2 | 1 | 2 | XXXX |
| 2065677 | DSCR | 1 | XXXX | XXXX | Appraisal | XXXX | 1.0596 | XXXX | No | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 1 | 2 | 4 |  |  |  |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** | **Rating Agency Exceptions Report: 9/19/2025** |
| **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** |
| XXXXXXXXX | 2051888 | LA | Refi - Cash Out | Owner Occupied | PUD | 49.98 |  | 768 | 78.68% | XXXXXXXXX | 302253 | Compliance | Other | This loan failed the high-cost mortgage points and fees threshold test. Provide documentation that the discount points fee was bonafide and proof of the undiscounted rate. | Undiscounted rate verified to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2051888 | LA | Refi - Cash Out | Owner Occupied | PUD | 49.98 |  | 768 | 78.68% | XXXXXXXXX | 302254 | Compliance | Other | The Initial Loan Estimate and all Subsequent LE's are missing from the loan file. | Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2051890 | DC | Refi - Cash Out | Owner Occupied | Single Family Detached | 43.9 |  | 804 | 80.00% | XXXXXXXXX | 302085 | Credit | Credit - Eligiblity | According to the underwriting guidelines, for business bank statement verification a CPA, enrolled agent, chartered tax adviser or independent licensed accountant is allowed, however a PTIN agent is not allowed. In this case, the borrower's ownership percentage was verified by a PTIN agent. | XXXX allowing the PTIN with comp factors. | Credit Score - 804, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXX | 2051893 | FL | Purchase | Owner Occupied | Single Family Detached | 21.4 |  | 659 | 80.00% | XXXXXXXXX | 302035 | Credit | VOM | A XXXX month housing payment history is required. Borrower pays landlord rent by withdrawing cash from his bank account, XXXX of the last XXXX months payments are not exact rent amount. | Exception for the guideline deviation approved by XXXX and in file. | Months Of Reserves - XXXX, DTI - 21.40% DTI is low. | Client Accepted B | 2 |
| XXXXXXXXX | 2058654 | CA | Refi - Cash Out | Owner Occupied | PUD | 14.31 |  | 777 | 66.67% | XXXXXXXXX | 302630 | Credit | Credit - Eligiblity | The Final Amortization Schedule is missing from the loan file. | 7/1/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2058654 | CA | Refi - Cash Out | Owner Occupied | PUD | 14.31 |  | 777 | 66.67% | XXXXXXXXX | 302638 | Compliance | Other | This loan failed the charges that cannot increase test. The Initial LE XXXX reflects the Discount Points Fee as $XXXX which increased on the Initial CD XXXX to $XXXX. A change of Circumstance was included in the file for XXXX; however, the Discount Points were not included. | 7/1/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2065676 | WI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.1629 | 771 | 75.00% | XXXXXXXXX | 303057 | Compliance | Other | The loan file does not contain the amortization schedule. | 07/24/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2065413 | FL | Purchase | Second Home | Single Family Detached | 41.94 |  | 817 | 80.00% | XXXXXXXXX | 303038 | Compliance | Required Document - GOV | The Final Amortization schedule is missing from the loan file. | 07/22/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2065414 | GA | Purchase | Owner Occupied | PUD | 13.8 |  | 655 | 80.00% | XXXXXXXXX | 302642 | Credit | Income | The loan was approved as a XXXX program, the file contained business bank statement from XXXX #XXXX ranging from XXXX thru XXXX, however, the XXXX statement is missing from the loan file. | 07/07/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2065677 | TX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0596 | 722 | 80.00% | XXXXXXXXX | 303011 | Credit | Program Eligibilty | Per guidelines for First Time Investors a motivation letter required if property is purchased out of state from the borrower's/guarantor's residence. The motivation letter for borrowers purchasing a property is XXXX but living in XXXX is missing from the loan file. | Motivation letter not required Borrower lives in XXXX and property is in XXXX |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2051905 | CA | Purchase | Owner Occupied | Single Family Detached | 44.94 |  | 680 | 80.00% | XXXXXXXXX | 302433 | Credit | Income | The insurance policy reflecting XXXX months rent loss coverage on the borrower's departing residence (XXXX) was not in the file as required by the guidelines. The leases were used to calculate net rent loss. | Section 10.9.17 of the XXXX guidelines indicate that if rental income is being used then rent loss insurance is required. <br> 6/24/2025: XXXX waiving the rent loss insurance as its not needed on REO. | Reserves - Borrower has more than XXXX months of Reserves. | Client Accepted B | 2 |
| XXXXXXXXX | 2051905 | CA | Purchase | Owner Occupied | Single Family Detached | 44.94 |  | 680 | 80.00% | XXXXXXXXX | 302434 | Credit | Asset Verification | The gift letter and evidence of receipt (wire/check) for the remaining $XXXX gift funds shown on the closing disclosure ($XXXX) were not in the file. The file included one gift letter and wire for $XXXX. | 6/19/2025: Post closing CD provided to close. |  | Cleared Exception B | 1 |
| XXXXXXXXX | 2065678 | NV | Purchase | Non-Owner Occupied | Condo Attached | 41.47 |  | 740 | 80.00% | XXXXXXXXX | 302969 | Credit | Income | The 4506-C Tax Transcripts are missing from the loan file. | 7/18: 4506 provided but need the executed tax transcripts. 07/24/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXX | 2058685 | NY | Purchase | Owner Occupied | Single Family Detached | 29.45 |  | 749 | 80.00% | XXXXXXXXX | 302671 | Credit | Hazard Insurance | The loan file does not contain the hazard insurance policy.  | 07/07/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2058685 | NY | Purchase | Owner Occupied | Single Family Detached | 29.45 |  | 749 | 80.00% | XXXXXXXXX | 302672 | Credit | Credit - Eligiblity | The borrower lives rent free and has no housing history. | 07/01/25: A pre-approval was provided for the housing history. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2058685 | NY | Purchase | Owner Occupied | Single Family Detached | 29.45 |  | 749 | 80.00% | XXXXXXXXX | 302673 | Credit | Warranty Deed / Quit Claim Deed | The loan file does not contain warranty deed. | 07/07/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXX | 2065679 | MI | Refi - Cash Out | Owner Occupied | Single Family Detached | 31.87 |  | 780 | 80.00% | XXXXXXXXX | 303022 | Credit | Underwriting Condition Not Met | The final Amortization schedule is missing from the loan file. | 07/23/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| **12** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXX | 2051895 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 12.68 |  | 747 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058657 | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | 42.14 |  | 679 | 32.19% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058661 | CO | Purchase | Owner Occupied | Condo Attached | 44.99 |  | 803 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058663 | FL | Rate Term Refi | Owner Occupied | Single Family Detached | 16.67 |  | 791 | 75.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058670 | KY | Purchase | Owner Occupied | Single Family Detached | 25.19 |  | 668 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058675 | FL | Purchase | Owner Occupied | PUD | 43.74 |  | 777 | 58.14% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058678 | CO | Purchase | Owner Occupied | Single Family Detached | 22.51 |  | 751 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXX | 2058681 | CA | Purchase | Owner Occupied | Single Family Detached | 27.56 |  | 735 | 71.82% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| **8** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 4**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 9/19/2025** | **Rating Agency Grades: 9/19/2025** | **Rating Agency Grades: 9/19/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXX | 2051888 | XXXX A C |
| XXXX | 2051890 | XXXX C A B |
| XXXX | 2051893 | XXXX C A B |
| XXXX | 2051895 | XXXX A |
| XXXX | 2058654 | XXXX C A |
| XXXX | 2058657 | XXXX A |
| XXXX | 2065676 | XXXX A C |
| XXXX | 2058661 | XXXX A |
| XXXX | 2065413 | XXXX C A |
| XXXX | 2058663 | XXXX A |
| XXXX | 2058670 | XXXX A |
| XXXX | 2065414 | XXXX C A |
| XXXX | 2065677 | XXXX C A |
| XXXX | 2051905 | XXXX C A B |
| XXXX | 2058675 | XXXX A |
| XXXX | 2058678 | XXXX A |
| XXXX | 2058681 | XXXX A |
| XXXX | 2065678 | XXXX D A |
| XXXX | 2058685 | XXXX C A |
| XXXX | 2065679 | XXXX C A |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXX | 2058657 | 38.9 | 42.14 | DTI | 3.24 | Yes |
| XXXX | 2051895 | 16.15 | 12.68 | DTI | -3.47 | Yes |
| XXXX | 2065414 | 19.99 | 13.8 | DTI | -6.19 | Yes |
| XXXX | 2058675 | 36.47 | 43.74 | DTI | 7.27 | Yes |
| XXXX | 2058663 | 10.77 | 16.67 | DTI | 5.9 | Yes |
| XXXX | 2051890 | 48.97 | 43.9 | DTI | -5.07 | Yes |
| XXXX | 2058681 | XXXX | XXXX | Appraised Value | XXXX | Yes |
| XXXX | 2058685 | XXXX | XXXX | Appraised Value | XXXX | Yes |
| XXXX | 2065677 | XXXX | XXXX | Appraised Value | XXXX | Yes |
| XXXX | 2058675 | 713 | 777 | FICO | 64 | Yes |
| XXXX | 2058681 | 718 | 735 | FICO | 17 | Yes |
| XXXX | 2058657 | XXXX | XXXX | Property City | Yes | Yes |
| XXXX | 2051890 | XXXX | XXXX | Doc Level | Yes | Yes |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.05 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXX | 2051888 | XX/XX/XXXX | XXXX | 78.68% | Appraised Value |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2051890 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Freddie Mac | XX/XX/XXXX |
| XXXX | 2051893 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2051895 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058654 | XX/XX/XXXX | XXXX | 66.67% | Appraised Value |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058657 | XX/XX/XXXX | XXXX | 32.19% | Appraised Value |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2065676 | XX/XX/XXXX | XXXX | 75.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2058661 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2065413 | XX/XX/XXXX | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.5 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058663 | XX/XX/XXXX | XXXX | 75.00% | Appraised Value |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058670 | XX/XX/XXXX | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2065414 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2065677 | XX/XX/XXXX | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2051905 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058675 | XX/XX/XXXX | XXXX | 58.14% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058678 | XX/XX/XXXX | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058681 | XX/XX/XXXX | XXXX | 71.82% | Appraised Value | XXXX | XXXX | XX/XX/XXXX | XXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2065678 | XX/XX/XXXX | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2058685 | XX/XX/XXXX | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXX | 2065679 | XX/XX/XXXX | XXXX | 80.00% | Appraised Value |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
|  |  |  |  |  | V+VLOOKUP(A4,'[Covius Ex. A (10.2.25)_CRES_res.xlsx]Sheet2'!$A$2:$B$113,2,false) | V+VLOOKUP(A4,'[Covius Ex. A (10.2.25)_CRES_res.xlsx]Sheet2'!$A$2:$B$113,2,false) | V+VLOOKUP(A4,'[Covius Ex. A (10.2.25)_CRES_res.xlsx]Sheet2'!$A$2:$B$113,2,false) | V+VLOOKUP(A4,'[Covius Ex. A (10.2.25)_CRES_res.xlsx]Sheet2'!$A$2:$B$113,2,false) | V+VLOOKUP(A4,'[Covius Ex. A (10.2.25)_CRES_res.xlsx]Sheet2'!$A$2:$B$113,2,false) | V+VLOOKUP(A4,'[Covius Ex. A (10.2.25)_CRES_res.xlsx]Sheet2'!$A$2:$B$113,2,false) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06**

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 276 newly originated residential mortgage loan, in connection with the securitization identified as EFMT 2025-NQM5 (the "Securitization"). The review began on June 1, 2023 and concluded on October 3, 2025.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1. <u>Review Appraisal</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission
under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total
of payments, the payment schedule, the HOEPA disclosures;

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

3. Business Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14
days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or
final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State Predatory lending and high cost when applicable

4. <u>Exclusions</u>. Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital
Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan
designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and
ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and
(iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration
and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital Risk reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will
verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income,
and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income
or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

● 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, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but
less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

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

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

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <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;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS data integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of income calculations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The Reverifications within this section are intended to meet the Client
Guidelines, Additional Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

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

iii. Transcripts (as applicable) support income

iv. Tax Returns and Profit and Loss Statements, as applicable

v. Bank Statements or other Alternate Income documents as required by the Client Guidelines or Additional Guidelines

vi. Consistent/Continuing Employment

vii. The Reverifications within this section are intended to meet the Agency Guidelines for post-closing quality control reverifications. (If needed)

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

ii. Check dates for document expiration

iii. Sufficient funds were sourced and seasoned

iv. Gift funds verified and met Client Guidelines or Additional Guidelines

v. The Reverifications within this section are intended to meet the Client or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <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 Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;11. <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;12. <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;13. <u>Review Closing Documents</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital
Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan
designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and
ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and
(iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration
and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital Risk reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will
verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income,
and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income
or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● 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, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but
less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook
for the Single Family Guaranteed Loan Program, revised March 19, 2020.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 Digital Risk, to the original report are documented and dated
completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, Digital Risk will recommend a BPO or field review be ordered.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (a) verifying that
the address matched the mortgage note, (b) if requested, noting whether the property zip code was declared a FEMA disaster area
after the valuation date and notifying the Client of same, (c) confirming the appraisal report does not include any apparent environmental
problems, (d) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered),
(e) reviewing pictures to ensure (1) that the property is in average or better condition and any repairs are noted where required
and (2) that the subject property is the one for which the valuation was ordered and that there are no negative external factors;
and (f) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE REVIEW .

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

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all
sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised
LE; and (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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all
sections of the CD are completed; and (iii) the CD accurately reflects the information provided to Digital Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 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;&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;&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>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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited
acts or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions
related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine
if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the
mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in
the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later
than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation
B, 12 C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation;
and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>. Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and
Mortgage servicing transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 276 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;35 | &nbsp;&nbsp;12.68% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.99% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.42% |
| &nbsp;&nbsp;Subject State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount (or Original IO payment) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.36% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;178 | &nbsp;&nbsp;$77206958.50 | &nbsp;&nbsp;64.49% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;98 | &nbsp;&nbsp;$55006515.00 | &nbsp;&nbsp;35.51% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;276 | &nbsp;&nbsp;$132213473.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;217 | &nbsp;&nbsp;$96906144.50 | &nbsp;&nbsp;78.62% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;59 | &nbsp;&nbsp;$35307329.00 | &nbsp;&nbsp;21.38% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;276 | &nbsp;&nbsp;$132213473.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;226 | &nbsp;&nbsp;$105296377.50 | &nbsp;&nbsp;81.88% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;50 | &nbsp;&nbsp;$26917096.00 | &nbsp;&nbsp;18.12% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;276 | &nbsp;&nbsp;$132213473.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;276 | &nbsp;&nbsp;$132213473.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;276 | &nbsp;&nbsp;$132213473.50 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp; The valuation methodology does not meet applicable published guidelines for the program. The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 1**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted | EFMT 2025-NQM5 Rebuttal Findings_Redacted |
| Seller: | Seller: | Seller: | Seller: | Seller: | Seller: | Seller: | Seller: |
| Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: |
| Total Loan Count: 276 | Total Loan Count: 276 | Total Loan Count: 276 | Total Loan Count: 276 | Total Loan Count: 276 | Total Loan Count: 276 | Total Loan Count: 276 | Total Loan Count: 276 |
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population |  | Trade Summary | Trade Summary | Trade Summary | Trade Summary |
| Percentage | Percentage | Percentage |  | Loan Status | Loan Status | Count | Percentage |
| 64.49% | 64.49% | 64.49% |  | Review Complete | Review Complete | 275 | 99.64% |
| 35.51% | 35.51% | 35.51% |  | In Rebuttal | In Rebuttal | 1 | 0.36% |
| ![](ex9906s1001.jpg) | ![](ex9906s1001.jpg) | ![](ex9906s1001.jpg) |  |  |  |  |  |
| ![](ex9906s1001.jpg) | ![](ex9906s1001.jpg) | ![](ex9906s1001.jpg) |  | ![](ex9906s1002.jpg) | ![](ex9906s1002.jpg) | ![](ex9906s1002.jpg) | ![](ex9906s1002.jpg) |
| Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Void | 3 | 4 | 2 | 1 |  |  |  |
| 0 | 0 | 0 | 68 | 179 |  |  |  |
| 0 | 0 | 0 | 1 | 4 |  |  |  |
| 0 | 0 | 0 | 60 | 5 |  |  |  |
| 10 | 0 | 0 | 0 | 645 |  |  |  |
|  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade |  |
| Exceptions | Count | 3 | 4 | 2 | 2 | 2 |  |
| Compliance | 121 | 72 | 0 | 49 | 55 | 55 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (No Valid COC) | 13 | 13 | 0 | 0 | 8 | 8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 13 | 13 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State Testing - Prepayment Penalty | 11 | 2 | 0 | 9 | 11 | 11 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HUD1 - Not Final | 11 | 0 | 0 | 11 | 11 | 11 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note - Incomplete | 10 | 5 | 0 | 5 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Inaccurate | 7 | 1 | 0 | 6 | 6 | 6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Incomplete | 6 | 6 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Section B incorrect payee | 5 | 0 | 0 | 5 | 4 | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 5 | 5 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 3 | 3 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Loan Disclosures/Escrow Account | 3 | 0 | 0 | 3 | 3 | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HOC - Missing | 2 | 0 | 0 | 2 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Loan Information/Loan Type | 2 | 0 | 0 | 2 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Missing Rider/Addendum | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Name Discrepancy | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance Finding - Missing Business Purpose Documentation | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note - Missing Signature | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Security Instrument - Missing Signature | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Initial Escrow Statement - Missing | 2 | 0 | 0 | 2 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;QM - FAIL APR Lending Policy | 1 | 0 | 0 | 1 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Lender NMLS Missing or Inaccurate | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (Revised Disclosure Late) | 1 | 1 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Federal - HPML APR/Non-Compliant | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance Finding - Other | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Initial LE/Delivery Date (from application) | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Initial LE/Delivery Date (prior to consummation) | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HMDA - Government Monitoring | 1 | 0 | 0 | 1 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FACTA Disclosure - Missing | 1 | 0 | 0 | 1 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ROR - Timing | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - 10% Tolerance Violation (No Valid COC) | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State Regulations | 1 | 0 | 0 | 1 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - Closing Disclosure/Missing | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Credit | 196 | 175 | 5 | 16 | 74 | 74 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Program Parameters - Other | 34 | 26 | 0 | 8 | 23 | 23 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance - Missing/Insufficient | 30 | 30 | 0 | 0 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Other | 29 | 22 | 0 | 7 | 23 | 23 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit - Other | 9 | 9 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Other | 7 | 7 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Minimum Reserves | 6 | 5 | 0 | 1 | 4 | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Missing - One or More Reports Missing | 6 | 6 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Property Type | 6 | 6 | 0 | 0 | 5 | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - LTV | 5 | 5 | 0 | 0 | 4 | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing background check | 5 | 5 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Other | 4 | 0 | 4 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Other | 4 | 4 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Debts - Not Verified | 4 | 4 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Other | 4 | 4 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verification Documentation - VOR | 3 | 3 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title Commitment - Missing/Incomplete | 3 | 3 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title Commitment - Deficiencies | 3 | 3 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing Entity Documentation | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage History - Missing/Incomplete | 2 | 2 | 0 | 0 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing HUD | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Alerts | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DSCR - Missing required STR Documents | 2 | 2 | 0 | 0 | 2 | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Aged > 120 days | 2 | 2 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FEMA | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Other/Missing | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verification Documentation - VOE Self-Employed/Missing | 2 | 2 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Repairs | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contract Addendum - Missing | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Program Parameters - Cash-Out Amount | 1 | 1 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appraisal - Borrower Info | 1 | 0 | 1 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Missing or Incomplete Lease Agreement | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Large Deposits/Unacceptable | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Adverse Credit | 1 | 1 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Report - Minimum Trade Lines | 1 | 1 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities - Excluded Debts | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;DTI - Exceeds Guidelines - originator (not pcqc eligible) | 1 | 1 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Title Commitment - Other | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income - Employment History | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets - Cash to Close | 1 | 1 | 0 | 0 | 1 | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final Application - Missing | 1 | 1 | 0 | 0 | 0 | 0 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Initial Application - Missing | 1 | 1 | 0 | 0 | 0 | 0 |  |

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## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | Exception Finding | Remediation Status | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2067841 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067841 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are inaccurate: The Note shows a 30yr term with 10yr I/O, however, the approval shows a 40yr term with 10yr I/O. The payment schedule matches a 40yr term, please provide updated closing documents with the corrected term. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Can you please provide approval stating this is a 40 year? We do not offer that loan term. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> At a total term of 30 years with 10 of those years being interest only, would make the loan amortized over 20 years making the P&I payment XXXX. The note reflects a P&I payment of XXXX. At this payment amount that means the note was amortized over 30 years which is not indicative of a 10 year interest only period. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067841 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The mortgage shows a 30yr term with 10yr I/O, however, the approval shows a 40yr term with 10yr I/O. The payment schedule matches a 40yr term, please provide updated closing documents with the corrected term. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Can you please provide approval stating this is a 40 year? We do not offer that loan term. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> At a total term of 30 years with 10 of those years being interest only, would make the loan amortized over 20 years making the P&I payment XXXX. The note reflects a P&I payment of XXXX. At this payment amount that means the note was amortized over 30 years which is not indicative of a 10 year interest only period. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067841 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal indicated repairs and improvements were required to support value, and no final inspection or evidence of completion was found in the file. All of the appraisals for all of the subject properties were completed as subject to completion of construction. The loan file did not contain a completion report for any of the subject properties evidencing that all construction has been completed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see updated reports. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see updated reports. <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> According to the 1004D for XXXX, XXXX, and XXXX, construction was not 100% complete on those 3 units. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Updated 1004D's provided for all properties and all work has been completed. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067841 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The minimum DSCR for portfolio loans per guidelines is 1.10. The subject consisted of XXXX townhomes used as short-term rentals with a DSCR of XXXX (XXXX rounded), which does not meet the minimum DSCR required. it should further be noted that no DSCR is allowed to fall below XXXX for any cash-out transaction. The subject closed as a cash-out refinance and XX of XX subject properties, located at XXXX, XXXX, XXXX and XXXX have individual DSCR's of XXXX, which does not meet the minimum individual DSCR required. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> This is not a XXXX unit property and the email chain does not reflect and exception. Please provide clarifying documentation. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, LTV XXXX% and reserves XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2067841 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file does not contain any evidence of insurance for any of the subject properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> full policy attached <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067841 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065420 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065420 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065420 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2056363 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2056363 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | A review of the bank statements reflected several unsourced large deposits. XXXX #XXXX on XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX. Also, on XXXX #XXXX XX/XX/XXXX $XXXX. Per the lender's guidelines recent large deposits require a signed, written explanation of the source of funds from the borrower and the source of funds verified. Unverified funds are not acceptable. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> regarding the XXXX deposit for XXXX. they moved XXXX from account xXXXX - reflected as XXXX #XXXX on the XXXX statement for that account. the XXXX deposits are over 60 days old and have been seasoned, so sourcing wasn't requested for those. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Explanation and documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2056363 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. Therefore, unable to determine if sufficient funds for closing and/or reserves were documented. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Signed HUD attached. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2056363 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065421 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065421 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065421 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070879 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070879 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Other | XXXX | The loan was a cash-out transaction with a partial reconveyance/pay-down of the existing mortgage/loan to First Community CU. The loan file is missing evidence of the partial release. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see release docs attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see attached HUD from closing see column J line 104 for evidence of partial release paid at closing. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation provided is not a partial release. Only payoff amount and wire instructions received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070879 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071882 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071882 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071882 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2073373 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2073373 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Based upon the market rent schedule to the appraisal, the subject is a short-term rental as the comparables reflect rented nightly/weekly. The subject property recently was built this year in XXXX. File contains no evidence of receiving any renal income on the subject property. Guidelines on short-term rental eligibility reflect if borrower is to self-manage the property, borrower should live within XX miles of the subject property. The borrower lives in XX and the subject property is in XX which is greater than 50 Miles. The file is missing a short-term rental property management agreement as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see management agreement attached. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2073373 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property does not reflect evidence to protect against loss or damage from fire and other hazards as per the guidelines. Further, the HUD reflects an escrow of $XXXX per month. Review of the policy provided reflects a total annual premium of $XXXX, or $XXXX per month. Based on the HUD, appears final policy not provided in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see policy declaration confirming coverages. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2073373 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The file did not contain a mortgage payment history to reflect XXXX in past XX months for the mortgage with Wesbanco which paid off at closing. | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> payoff letter attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Per guidelines this is not required, please waive. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Payoff Letter received. Mortgage payment history not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2073373 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains desk review dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071880 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071880 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071880 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX,, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2073374 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2073374 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file contains no credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see credit report attached.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2073374 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file contains no loan application. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2073374 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071881 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071881 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071881 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070884 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070884 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Aged > 120 days | XXXX | Appraisal - Aged > 120 days. The appraisal was > 120 days at the time of closing with no updated value provided. The appraisal for the property located at XXXX is dated XX/XX/XXXX, which is XXX days old as of the Note date of XX/XX/XXXX. Updated appraisal report is required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070884 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Search completed reflecting a declared disaster after appraisal date. FEMA Declaration declared XX/XX/XXXX for XXXX (XX-XXXX-XX) with an incident date of XX/XX/XXXX which is after original appraisal date of XX/XX/XXXX for the property located at XXXX. Please provide Property Inspection to confirm no damage for the above referenced property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> 1004D attached, This was cleared XXXX preclosing. Attached email chain<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070884 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066991 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066991 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066991 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066987 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066987 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066987 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066992 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30-year fixed closed-end product. The Open-ended form was utilized for the Security Instrument when a Closed-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2066992 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2066992 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2066989 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Title commitment attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066989 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Title commitment attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066989 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value within 10%. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066990 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066990 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Title commitment attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066990 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066993 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2066993 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30-year fixed closed-end product. The Open-ended form was utilized for the Security Instrument when a Closed-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2066993 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2066993 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2070881 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070881 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070881 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070882 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Although the loan file contained a Note, Business Purpose Loan Note Addendum and Prepayment Penalty Addendum; they were illegible therefore cannot be determine if it they were complete and accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Please provide clear copy of Note and all addendums for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> New and clear copies of the Note, Business Purpose Loan Note Addendum and Prepayment Penalty Addendum have not been provided. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070882 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Although the loan file contained a Mortgage, 1-4 Rider, Assignment of Rents rider, Prepayment rider, Business purpose and environment rider and Acknowledgement of Borrower Rights rider; they were illegible and therefore cannot be determine if they were complete and accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The Mortgage has been provided; however, the ridders have not been provided for review. Pease provide a clear copy of the following: 1-4 Rider, Assignment of Rents rider, Prepayment rider, Business purpose and environment rider and Acknowledgement of Borrower Rights rider. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documents received were still missing clear copies of the following: 1-4 Family Rider, Prepayment Rider, Acknowledgement of Borrower Rights Rider. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070882 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 2 of the mortgage under Riders, does not have a box marked for the Acknowledgement of Borrowers Rights rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Mortgage has been provided; however, pg. 2 has not been updated to include the Acknowledgement of Borrowers Rights Rider XXXX the Section E "Riders", all changes to the Mortgage must be initialed by the borrower. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> A corrected page 2 to reflect that the Acknowledgement of Borrower Riders Rider isattached. Borrower to initial changes made once corrected. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070882 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070882 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070885 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070885 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070885 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070883 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070883 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070883 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066948 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066948 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument is incomplete: The Warranty Deed is missing pages 2, 3 & 5. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Full Deed<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066948 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Borrower is short reserves in the amount of $XXXX. Guidelines require XX months reserves ($XXXX). The borrower was required to bring $XXXX in funds to close, bringing total required assets to $XXXX. The loan file contains verified assets of $XXXX. This results in a reserve shortage of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> property is owned free and clear and can use 25% of cash out proceeds<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The borrower did not receive cash at closing. There was a partnership buyout on the HUD and the borrower had to bring XXXX to the table. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, LTV XXXX%, DSCR XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2066948 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066986 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066986 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the security Instrument covers the correct debt terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2066986 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. Additionally, 6 months PITIA rent loss coverage was required. The policy provided does not indicate coverage for all perils or rent loss as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> - EOI attached. Business Income w/ Extra Expense covering $XXXX XXXX the Coverage Information box. - Email confirmation from the insurance agent confirming the policy includes Wind/Hail coverage<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Declaration pages attached including Special Covered Causes of Loss on the policy<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> XXXX perils coverage was not confirmed. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066986 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066988 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066988 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end. Acknowledged product. The open-end form was utilized for the security instrument when a close- end form should have been used; however, the security instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2066988 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Entity background check attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Additional LexisNexis search provided for the entity. Traditional search is not providing the typical results we normally get.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Business lookup received. Still missing background check. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066988 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066950 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066950 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066950 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066952 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066952 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Missing XXXX Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The guidelines indicated that for purchase transactions, if there is an existing lease on the property that is being transferred to the borrower, it must be verified that the lease does not contain any provision that could impact RCN's first lien position on the property. The loan file does not contain a copy of any of the subject property leases to confirm this. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> this loan was underwritten with all the properties as vacant so wouldn't need any leases<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> There are no rents transferring with the sale - all the properties are vacant<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Any rents that are transferring with the sale must be provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066952 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The qualifying value, determined by the lessor of the purchase price or appraised value for each of the cross-collateralized properties, is $XXXX. The note reflects a loan amount of $XXXX; therefore, the LTV is XXXX%, which exceeds the maximum allowed of 80%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> I'm seeing lower PP on all but XXXX - XXXX PP for 7 properties then $XXXX as is value for XXXX which is XXXX. With a XXXX loan amount this is just under XXXX%<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The qualifying purchase price is XXXX for XXX propertied. The qualifying value for XXXX is the appraised value at XXXX. Loan amount XXXX / XXXX value = XXXX% LTV. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Affidavit of Arms Length Transaction was provided and reflects an Assignment fee of XXXX for the transaction breaking down to XXXX per property (XXX properties) This is added into the purchase price which calculates to a total purchase price of XXXX and divided by loan amount of XXXX and an LTV/CLTV of XXXX% and within guidelines. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066952 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066953 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066953 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066953 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066954 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066954 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066954 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066955 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066955 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The borrower does not meet tradeline requirements. Guidelines require a minimum of three tradelines: (i) minimum of 1 active trade line(s), (ii) at least 1 trade line with 24+ month rating, and (iii) 2 lines must be rated for 12 months and may be open or closed. The borrower does not have an open and active tradeline. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> New and old credit reports attached as well as loan app for borrower<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066955 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066956 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066956 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066956 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2053633 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2053633 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The credit report for borrower 1 reflects a fraud victim alert. The loan file contains no evidence of a processor certification clearing the alert. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2053633 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Cash-Out Amount | XXXX | Subject loan was delivered as a rate and term refinance with an XXXX% LTV. Per the guidelines for a rate and term refinance, the maximum cash out allowed is XXXX% of the loan amount. Borrower received cash back in the amount of $XXXX which exceeds the maximum cash out allowed by $XXXX (loan amount $XXXX x XXXX% = $XXXX). Note: The maximum LTV for a cash-out refinance is XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, XX months reserves and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2053633 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066957 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2066957 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The appraisal, XXXX and CDA reflect XXXX (part owner of the entity) as the Borrower and not XXXX the applying Borrower/Guarantor. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Both are members of the borrowing entity<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Updated Appraisal - working on CDA<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Corrected CDA<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> wouldn't the completion report be the appraisal since this is a cash out refi?<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> XXXX is not a borrower XXXX guarantor. XXXX did not execute the mortgage. XXXX was an owner at origination but could not be identified as a borrower/guarantor/owner upon closing. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Awaiting CDA. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Awaiting CDA. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Still missing corrected 442. (Upheld)<br>Response 5 (XX/XX/XXXX XXXX)<br> Agreed. Documentation is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2066957 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2066958 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. XXXX statute (XXXXS.A.46:10B-2) prohibits prepayment penalties for loans with an interest rate above 6%. The Loan was made to an LLC with an interest rate of XXXX% and a Prepayment Penalty of 5%, 4%, 3%, 2%, 1%. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> What is needed here? I've never seen this as an exception XXXX heard of this before<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> If a Prepayment Penalty is charged on a loan XXXX the State of XXXX, and the Borrower is an LLC, the grade will be EV2. (Acknowledged)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2066958 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066958 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066959 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2066959 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The evidence of insurance for the subject property located at XXXX is missing page 2 and does not reflect coverage for rent loss or liability coverages as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> HOI policy w/ 2 pages w/ fair rental value of $12k<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> XXXX place rent is XXXX and market rent is XXXX for XXXX. $XXXX XXXX rent loss is more than enough coverage for this property<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Rent loss of XXXX is less than 3 months of coverage. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2066959 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1696189 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1696189 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1696189 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1710570 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in Lending Act (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> This Loan is Non-QM<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The loan is a primary residence and will be tested under QM guidelines. The loan is an EV2. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The loan is Non-QM. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1710570 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Lender NMLS Missing XXXX Inaccurate | XXXX | The Lender's NMLS disclosed on the CD issued on XX/XX/XXXX does not match the NMLS Registry site. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1710570 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX, Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1710570 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender's Exception - Per Lender's guides XXXX for all mortgages. However, the borrower is XXXX. Compensating factors deems as non-material. | Waived |  |  |  | Compensating factors - Low DTI of XXXX%, XXXX residual income per month, XXXX-month reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 1710570 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1928768 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1928768 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1928768 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064250 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2064250 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Initial Application - Missing | XXXX | The loan file does not contain an initial or final loan application for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> 1003<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2064250 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Guidelines require all guarantors to provide a limited loan application, authorization for credit report and background report along with identification documentation such as driver's license, passport or similar. The loan file is missing the required documentation for non borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2064250 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061171 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2061171 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2061171 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the initial CD delivery date test , any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Title- Search/Abstract, Wire Transfer Fee, and Title Settlement Fee. These fees were tested under 10% due to no SPL in the loan file. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061171 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. Per regulation, creditors using electronic delivery methods, such as email, must also comply with 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061171 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Adverse Credit | XXXX | The file contains a lender exception for borrowers filed XXXX bankruptcy in XXXXX and was dismissed XXXX. Borrowers also had a short sale completed in XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Client approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Compensating factors: LTV XXXX% below max, XXX month reserves, DTI under XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2061171 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Subject loan closed XX/XX/XXXX. The hazard insurance policy reflects effective date XX/XX/XXXX which is after the disbursement date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Documentation uploaded.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> The loan was originally schedule to close on XX/XX/XXXX. All parties decided to close earlier. Once the loan was cleared a closing was scheduled, but XXXX rescueduling, the HOI was not updated with the earlier date. A drvie by inspection was done and the borrowers signed a notarized affidavit that there was no damage to the property during the period of XXXX to XXXX. Affidavit provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Affidavit provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061171 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067916 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067916 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Appraisal Desk Review. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2067916 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> SEE ATTACHED.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> SEE ATTACHED <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The CD provided was XXXX the original loan file. The CD issued on XX/XX/XXXX was signed at closing on XX/XX/XXXX. Please provide a CD received by the borrower at least 3 days prior to closing. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067916 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition of the following fee was not accepted: Appraisal Review Fee on the final CD issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> SEE ATTACHED.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067916 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The appraisal states the subject property is Zoned Agricultural. The guidelines state Agriculture Zoning is not permitted. A lender Exception was provided to allow for the Agricultural Zoning. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Bwr's have a DTI of XXXX% and a credit score of XXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2067916 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064251 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2064251 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2064251 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Guidelines require 6 months reserves. The file contains only 3 months. A lender Exception was provided to allow for 3 months reserves. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower is paying off multiple debts. Borrower has been self employed since XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2064251 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The appraisal states the property is Rural. Guidelines do not allow for Rural properties. A lender Exception was provided to allow for the Rural property. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrower is paying off multiple debts. Borrower has been self employed since XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2064251 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071903 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page 22 of the Loan Agreement is missing the borrower's initials. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071903 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required access letter for XXXX account ending in #XXXX and XXXX. XXXX guidelines state funds held jointly with an individual who is not a borrower and is not vested on title may be used as the borrower's funds as long as an access letter is provided from all parties listed on the bank statement. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071903 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067913 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2067913 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. XXXX statute (XXXXS.A.46:10B-2) prohibits prepayment penalties for loans, unless they are a corporation. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> LOAN CLOSED XXXX AN ENTITY- GUIDELINES- XXXX - Prepayment penalties are only allowed when the borrower is an entity.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> XXXX the State of XXXX, if the loan has a PPP and the borrower is an LLC XXXX any other business entity other than a Corporation; it will be a EV2 grade. (Acknowledged)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2067913 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for rent free primary. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Temporary primary while new home is constructed. |  | 2 | 2 | 3 | 2 |
| XXXX | 2067913 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The required ACH agreement is missing for the loan file. DSCR ratio is less than 1. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> THIS WAS WAIVED BY XXXX- EMAIL XXXX FILE<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXX, Temporary primary while new home is constructed. |  | 3 | 2 | 3 | 2 |
| XXXX | 2067913 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071905 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071905 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was 50%/50% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (51%). The loan file contained the signed Guaranty by both guarantors as required. However, the loan file did not contain a 1) limited application that includes name, address, date of birth, social security and citizenship, 2) authorization for credit report 3) background check 4) picture ID as a drivers' license, passport or similar for XXXX, non-borrowing guarantor as required. Additional conditions may apply | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver for credit score granted by Investor. (Waived)<br>**  |  | Compensating Factors: Experienced investor, DSCR XXXX%, borrower has payment history on all mortgages of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2071905 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow guarantor fico score of XXX no mortgage derogatory 0x30x59; 0x30x66, borrower fico score XXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Experienced investor, DSCR XXXX%, borrower has payment history on all mortgages of 0x30x12. |  | 2 | 2 | 3 | 2 |
| XXXX | 2071905 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071906 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. XXXX statute (XXXXS.A.46:10B-2) prohibits prepayment penalties for loans, unless they are a corporation. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2071906 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception for a transferred appraisal on a XXXX unit property. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX primary XX yrs, FICO XXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2071906 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception on a XXXX unit where one of the units is XXX sq feet the minimum is XXX sq feet. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX primary XX yrs, FICO XXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2071906 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to count XXXX% owner investing as a gift. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX primary XX yrs, FICO XXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2071906 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071907 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071907 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Guidelines require an appraisal transfer letter prepared on letter-head of the original lender this is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached transfer letter.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071907 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071908 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | Missing the following Business purpose documentation: The loan does not qualify as a business purpose loan. The cash out letter dated XX/XX/XXXX which states Fixed Rate Interest for 30 years, is not an acceptable business purpose reason. The loan is not TRID exempt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071908 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071908 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061145 | 1 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061145 | 2 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | This loan failed the XX 209 CMR 32.35 higher-priced mortgage loan test. (XX 209 CMR 32.35). The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061145 | 3 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions and/or increases: Courier / Messenger Fee $XXXX, Lender's Title Insurance Policy $XXXX, Releases Recording $XXXX, Settlement or Closing Fee $XXXX, Title Examination Fee $XXXX, Recording Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> initial LE<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061145 | 4 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2061145 | 5 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> INitial LE XX/XX, should clear all. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061145 | 6 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial LE/Delivery Date (prior to consummation) | XXXX | The loan failed the Initial Loan Estimate delivery date test (prior to consummation). The Initial LE issued on XX/XX/XXXX is less than seven business days before the Consummation Date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(B) | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> initial LE<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061145 | 7 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions and/or increases: Mortgage Broker Fee $XXXX, UnderwritingFee $XXXX, Appraisal Fee $XXXX, Appraisal Review Fee $XXXX, Credit Report Fee $XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> initial LE<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061145 | 8 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061145 | 9 of 9 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071910 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2071910 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071910 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071909 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071909 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071909 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071911 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071911 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071911 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067911 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2067911 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | The subject loan qualified with 12 months consecutive bank statements. The file indicates the dates of the bank statements used to qualify are XX/XX/XXXX - XX/XX/XXXX. The file is missing the bank statement covering XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> XXXX stmt<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Missing bank statement to calculate income provided and supports income used. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067911 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The file contains a transferred appraisal with an XXXX% LTV and time off the market of XXX months. Guidelines require a max LTV of XXXX%. The file contains a lender exception to allow for the transferred appraisal with XXXX% LTV. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrowers have a XXX credit score and a DTI of XXXX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2067911 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The file indicates there was a modification to entities ownership granting more ownership percentage to the borrowers. The guidelines state any modification to an Entity's ownership structure must be approved by management. A lender Exception was provided and the ownership percentage change was approved. Determined non-material based on compensating factors. (waived) | Waived |  |  |  | Compensating Factors: Borrowers have a XXX credit score and a DTI of XXXX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2067911 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067915 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2067915 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2067915 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. THe loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2071912 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071912 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071912 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2057278 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2057278 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2057278 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For on the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2057278 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | The borrower states assets with XXXX. The borrower the most recent two months statements; however, the statement dated XX/XX/XXXX is missing pages 2-5. Only page 1 was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2057278 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067912 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2067912 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PI for the HELOC with XXXX for the property located at XXXX as shown on the final 1003 of $XXXX/mo | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> please see page 3-4 showing the payments for HELOC<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067912 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof of PI for the mortgage secured against XXXX as shown on the final 1003 for $XXXX/mo | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> statement and breakdown. loan is commercial.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067912 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception as the condo project is currently in litigation. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO,XX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2067912 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to use short term rent to qualify. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO,XX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2067912 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071913 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2071913 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a lona amount of less than $XXXX. for invest star program. The loan amount will be $XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XXXX%, assets exceed required reserves by XXXX months, borower has lived XXXX primary for five plus years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2071913 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071916 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071916 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow insurance coverage with no rent loss. XXXX guidelines state six months' rent loss coverage is required for investment properties. Determined is non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, low LTV XXXX%, orrowre provided documentation of reserves XXXX the amount of $XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2071916 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2059466 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059466 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059466 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score is XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> CDA attached.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> CDA supports.<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071672 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071672 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing fraud/ background check per guidelines to include a criminal search for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Background check provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071672 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject Note reflected loan was a 30 year mortgage with an interest only term of XX months. Per the investor guidelines, the interest only term allowable was XXX months. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated Note with 120 month interest only feature provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071672 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost to include coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> HOI policy provided and is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071672 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Deficiencies | XXXX | The title commitment required Superior Loan Servicing to be paid off and satisfied. The title commitment reflected this mortgage was secured by the subject land and other land and original mortgage was for a loan amount of $XXXX supporting it was a blanket mortgage. The file did not contain a partial release for the subject property or other documentation such as a final clear title policy or proof of payoff of the properties secured by the additional properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated title and release provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071672 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Thee loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071671 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071671 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing fraud/ background check per guidelines to include a criminal search for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Background check provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071671 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject Note reflected loan was a XX year mortgage with an interest only term of XX months. Per the investor guidelines, the interest only term allowable was XXX months. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated Note with 120 month IO Term provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071671 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost to include coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> HOI Policy provided and is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071671 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Deficiencies | XXXX | The title commitment required XXXX to be paid off and satisfied. The VOM provided indicated mortgage was secured by the subject property and 3 additional properties. The file did not contain a partial release for the subject property or other documentation such as a final clear title policy or proof of payoff of the properties secured by the additional properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated Title and release provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071671 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071670 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071670 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing fraud/ background check per guidelines to include a criminal search for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Background check provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071670 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject loan was closed as a cash out refinance at XXXX% LTV. The investor guidelines required a completed Automatic Payment Authorization to include the bank routing number, account number and type of account. The form provided was not complete with the required banking information. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Subject is a rate and term and not cash out.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Guidelines say recommended therefore need to follow Matrix.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Guidelines do not specify type of loan. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Based on guidelines only saying recommended defaulting to matrix and ACH is only required on a cash out refinance and subject is rate and term. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071670 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject Note reflected loan was a XX year mortgage with an interest only term of XX months. Per the investor guidelines, the interest only term allowable was XXX months. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated Note with 120 month IO term provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071670 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost to include coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> HOI Policy provided and is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071670 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071669 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071669 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check. Missing fraud/ background check per guidelines to include a criminal search for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Background check provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071669 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject Note reflected loan was a XX year mortgage with an interest only term of XX months. Per the investor guidelines, the interest only term allowable was XXX months. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated Note with 120 month IO term provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071669 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> HOI Policy provided and is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071669 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Deficiencies | XXXX | The title commitment required Superior Loan Servicing to be paid off and satisfied. The title commitment reflected this mortgage was secured by the subject land and other land and original mortgage was for a loan amount of $XXXX supporting it was a blanket mortgage. The file did not contain a partial release for the subject property or other documentation such as a final clear title policy or proof of payoff of the properties secured by the additional properties. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Updated title and release provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071669 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059462 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059462 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059462 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU/SSR, dated XX/XX/XXXX which supports the appraised value. (CU Score 1.2) | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066919 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066919 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file did not contain a credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066919 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The investor guidelines required that the financed properties either be managed by a professional property manager with experience in the subject market or be self managed by borrower/guarantor or affiliate. The conditional approval reflected a property management agreement was provided; however, the document was not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> PMA attached.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066919 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The lender's guidelines required an Investment Property Track Record report. This documentation was not found in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please note there is no track record requirement for standard dscr. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation XXXX file supports borrower investment experience. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066919 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The lender's guidelines require that all leases must be third party leases with no members of the borrower/guarantor or family members leasing or occupying the property. An attestation from the borrower/guarantor that all tenants are non-borrower/guarantor affiliated is required. This documentation was not found in the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Client approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Attestation of no borrower/tenant affiliation was not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, Reserves XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2066919 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066917 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066917 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The guidelines indicate the Borrowing Entity (if applicable) will require a full background report through XXXX. The loan file is missing a background check for the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached is a no hits entity search by State and Name.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2066917 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate any mortgage with a 30 day or greater late payment in the last 12 months is ineligible. The credit report reflects XXXX (XXXXX & XXXX) on a HELOC with XXXX. It should be noted the loan file contains an LOE from the borrowers and the account currently has a $XXXX balance. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> LLPA was done at the time of lock for 2x30 It's a Heloc XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Client approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> It appears the loan is ineligible. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, LTV XXXX%, Reserves XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2066917 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059465 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059465 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059465 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059467 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059467 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059467 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071917 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071917 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception allowing them to proceed without an inspection on the subject property. XXXX guidelines state property built prior to XXXX require foundation inspection. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Borrower has lived XXXX primary residence for five plus years, borrower has paymetn history on all mortages 0x30x12 fico score XXX, DSCR XXXX%. |  | 2 | 2 | 2 | 2 |
| XXXX | 2071917 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2059463 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059463 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059463 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2066918 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2066918 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The loan file contains $XXXX in verified assets. The loan file requires $XXXX ($XXXX in cash to close $XXXX reserves). The loan file is short $XXXX in reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UW calculation and Final SS attached.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please note that the cash to close is XXXX, not XXXX+<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Client approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation provided is identical to docs XXXX file. The shortage is still XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Funds required: XXXX POC + XXXX EMD + XXXX Cash to close + XXXX required reserves = XXXX required. Funds available: XXXX #XXXX XXXX + XXXX #XXXX XXXX + $ XXXX XXXX + Cleared EMD XXXX = XXXX total available. XXXX shortage stands. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Client approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - FICO XXX, Reserves XXXX and DSCR XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2066918 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059464 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059464 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059464 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2073360 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2073360 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2073360 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2073416 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase of the Appraisal fee and the addition of the Verbal Verification of Employment fee were not accepted. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Hello, please find the PCCD, refund and label (delivery). Please clear the condition. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2073416 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Search completed reflecting a declared disaster after appraisal date. FEMA Declaration declared XX/XX/XXXX for XXXX [XX-XXXX-XX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide PropertyInspection to confirm no damage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Hello, please find the post disaster inspection reflecting no damage. Please clear the condition. Thank you. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2073416 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065696 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065696 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065696 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067878 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Borrower is an entity. The Loan Agreement addendum Exhibit B has not been executed by the Borrowing Entity. The borrower signed their name under the Natural person section of Exhibit B. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067878 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067878 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059468 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2059468 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for minimum DSCR equal to or greater than 1. The DSCR for the subject transaction was XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXX and at least XXXX points higher than guideline minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2059468 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071809 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | Loan file is missing the final CD. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2071809 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The FHLMC SSR report is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Freddie SSR provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2071809 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The final Settlement Statement or Closing Disclosure is missing from the loan file. The disclosure in file is dated XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Final signed and dated CD provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2071809 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for: less than 50% ownership of business bank account used for EMD and Funds to Close. Determined non-material based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXX, XXX months reserves, XXXX Housing History |  | 3 | 2 | 3 | 2 |
| XXXX | 2071809 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059471 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2059471 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | There are additional employment findings. The loan application reflects the borrowers' owned the business 50%/50%. Per the lender's guidelines when using bank statements to qualify verification the borrower is minimum 25% owner of business is required by providing the following: Operating agreement, Articles of Incorporation, or equivalent stating ownership percentage. The loan file did not contain the required documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> CPA letter provided showing 50% ownership by borrower<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2059471 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2061120 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061120 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061120 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065698 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2065698 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The HUD in the loan file does not include the payoff amount of the mortgage for the subject property. The subject loan amount is $XXXX. The mortgage payoff to SPS is $XXXX. As a result the final amount of funds due at closing could not be verified. A final HUD is required for verification of assets. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Final SS provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065698 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per the lender's guidelines for a short-term rental property tax escrows are required. The loan file contained an escrow waiver. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2065698 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059474 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059474 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Per the lender's guidelines assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for XX days from closing date or sourced. Depository accounts are funds held on deposit in the borrower's checking, savings, money market or certificates of deposit. The CD reflected required cash to close $XXXX.The source of funds for closing were from XXXX #XXXX; however, this account is in the borrower's spouses name only. The spouse is not a borrower on the loan. | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> This is acceptable as they are a non-borrowing spouse on title. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Page 85 of guides: "Non-borrowing titleholder XXXX member of LLC/entity who is contributing funds is not considered a gift, therefore a gift letter is not required."<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> A Gift Letter is required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059474 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | There are additional income findings. The borrower was qualified based on 12-month business bank statements. The loan file is missing page 1 of the XXXX and XXXX bank statement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Pages provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 1 | 1 |
| XXXX | 2059474 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Verification of 12 months rental payments is required. The loan application reflected the borrower was renting their primary residence. The loan file contained a Verification of Rent (VOR) completed by an individual. Per the lender's guidelines if the source of the VOR is a party other than a professional management company, then provide the following: 12 months of borrower's canceled checks or bank statements. The loan file contained a canceled check to the landlord for May, June and July. The file is missing 9 months of verification of rent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> LOE provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2059474 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065695 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065695 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. A mortgage payment history reflects at least one 30-day late in the last 12 months, which exceed allowable program guidelines. Lender Exception in file as the subject loan does not meet Program Parameters for mortgage history. The loan file contained a payment history which reflects XXXX within the last 12 months; 30 days late on XXXX and on XXXX. It should be noted that the payment history was not provided on a standard VOM as required. In addition, the mortgage payoff statement (non-institutional lender) did not reflect if late fees or delinquent interest was included in the payoff amount. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXX mortgages listed on the credit report and both showing XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2065695 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059479 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059479 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Guidelines require a gap credit/undisclosed debt monitoring report no more than 10 days prior to the loan closing (note date XX/XX/XXXX) or anytime after closing and is missing from the file. Credit report dated XX/XX/XXXX. Additional conditions may apply upon review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2059479 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property is missing evidence protecting against loss or damage from fire, lightening and other perils per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Proof covered provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2059479 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains 2nd full appraisal which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061111 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061111 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061111 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered y the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Supplemental coverage attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061111 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | The qualifying income was calculated from 12 months of business bank statements using an expense factor of 15%. An accountant letter was provided and supported an expense factor of less than 10% based on a review of the borrower's Profit and Loss statement dated XXXX. The investor guidelines required that the tax preparer must attest they have prepared the borrowers tax returns to utilize the stated business expense factor. Accountant letter does not state they prepared the tax returns. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2061111 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061109 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061109 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program guidelines. The subject loan was a rate/term refinance with a qualifying credit score of XXX. The maximum allowable LTV was XXXX%. The subject property was vacant; therefore, a 5% LTV reduction was required resulting in a maximum LTV of XXXX%. The subject loan amount of $XXXX and property appraised value of $XXXX results in an LTV of XXXX% which exceeded program guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. Experienced Investor. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2061109 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062542 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum of 0 months prepayment term, the loan has a XX month prepayment term. The loan fails the prepayment test by XX months. This loan failed the prepayment test. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2062542 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2062542 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2061254 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061254 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061254 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided and supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2050501 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Document Storage/Archive fee $XXXX. The Fee was on the LE issued XX/XX/XXXX in section B as Non-Shoppable without a valid reason for the addition. A cost to cure in the amount of $XXXX of which $XXXX was cured at closing is required. There is a remaining cost to cure of $XXXX required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Fees started XXXX 'Borrower cannot shop for' but borrower did XXXX fact end up shopping and therefore the field is not subject to 10% tolerance and can increase<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> It is not a 0% fee. The fee would be within the tolerance of the original LE baseline fees; not the individual tolerance. The fees moved on the ICD to shoppable, because the borrower chose to shop and that would cause no tolerance <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> SSPL provided showing borrower shopped therefore the fee listed on the ILE at the time, is not held to tolerance because borrower chose to shop for their own fees <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> Docs provided <br>Rebuttal 5 (XX/XX/XXXX XXXX)<br> check amount less than XXXX on tracking should be needed<br>Rebuttal 6 (XX/XX/XXXX XXXX)<br> Proof the borrower received and deposited check<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. Because the fee was disclosed on the LE issued on XX/XX/XXXX, the only LE provided, XXXX Section B it is considered an Unshoppable fee. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. Fees are determined dt be shoppable XXXX Non-shoppable based on how the fees were disclosed on the last revised LE. The fee was disclosed as a Non-shoppable fee and tested at 0% tolerance. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The borrower choose their own Title Company; however, the Title- Document Storage/Archive/Copies was disclosed on the revised LE issued on XX/XX/XXXX XXXX Section B to the borrower as a Service that the borrower could not shop for XXXX the amount of XXXX; the fee was disclosed as a Non-shoppable fee and tested at 0% tolerance. The fee increased to XXXX. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD and copy of the refund check have been provided. Proof of Delivery is required. (Upheld)<br>Response 5 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. Proof of Delivery is not required for cure amounts XXXX and under. The cure is XXXX; proof of delivery is required. (Upheld)<br>Response 6 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2050501 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Contract Addendum - Missing | XXXX | The final Closing Disclosure reflects a seller credit in the amount of $XXXX which was not reflected in the purchase contract. The file is missing an executed contract addendum for the seller contribution. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> XXXXfor XXXX credit and the XXXX credit is XXXX the contract.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2050501 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062547 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062547 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX. The loan closed XXXX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than 10 days prior to the loan closing or any time after closing and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Gap report provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062547 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require the policy to protect against loss or damage from fire, lightening and other perils as listed in the guidelines. The proof of hazard insurance in the file reflects at the bottom of the page this is not an insurance policy and does not amend, alter, or extend the coverage afforded by the policy listed. It cannot be determined based upon the information provided if the policy contains the required perils per the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Per Ellington, XXXX to assume all perils covered unless otherwise stated<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Typically, an email from the Investor is provided to address the same. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and elects to waive. Noted Compensating Factors: 1. XXX qualifying credit score 2. XXXX% LTV 3. XX months reserves<br>| XXX score. XXXX% LTV. XX months of reserves. XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2062547 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | Guidelines require all mortgages to be current through the month prior to the note date. The loan closed XX/XX/XXXX. The credit report reflects a date of last activity of XX/XX/XXXX with mortgage with XXXX #XXXX securing the property located at XXXX and is not current. The latest mortgage statement provided reflects a due date of XX/XX/XXXX with transaction activity from XX/XX/XXXX to XX/XX/XXXX which also is not current. Need evidence the XX/XX/XXXX payment made. | Waived |  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and elects to waive. Noted Compensating Factors: XXXX qualifying credit score XXXX. XXXX% LTV XXXX months reserves<br>**  | XXX score. XXXX% LTV. XX months of reserves. XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2062547 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059469 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059469 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059469 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061112 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061112 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061112 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062543 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2062543 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062543 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Bank Statement program using expense statement/letter by tax professional providing the expense ratio. Guidelines require a statement from the professional that they have prepared the borrower's tax returns. Statement missing from the letter. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> LOE provided<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> But they do not have 4 employees. It is a hair salon, and these 4 people rent chairs at the hair salon and are not "employed" by the borrower. Therefore, it is seen XXXX the 0-3 employee category.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The CPA Letter is required to confirm the 15% expense ratio, which is what was used. The borrower has 4 employees which would have been 30%. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062543 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | The credit report dated XX/XX/XXXX and the loan closing date XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than 10 days prior to loan close or any time after closing and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062543 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains an alert effective XX/XX/XXXX and maintained for XX years. The file does not contain documentation that the fraud alert was cleared per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062543 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059470 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059470 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan application reflects the borrower currently owns a primary residence for XX months. The lenders guidelines require the most recent XX months mortgage housing payment to be documented. If a private party VOM is obtained XX months consecutive cancelled checks to verify the mortgage rating is also required. The loan file contained a private VOM and only XX months canceled checks or bank statements. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> The first payment was made XXXX and verified thru XXXX, so we have XX payments not XX, which is all they had made thru CTC on XXXX. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Showing XXXX payment that posted XXXX XXXX.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Payment history XXXX file only goes back to XX/XX/XXXX XXXX file. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2059470 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV. The maximum allowable LTV for a cash-out refinance was XXXX%. The appraisal reflected the property had recently been listed for sale. Per the lender's guidelines if the subject property was listed for sale in the XX months prior to application date, a XXXX% LTV reduction is required; therefore, the maximum allowable LTV was XXXX%. The subject loan closed at XXXX% LTV. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXX months more than guideline minimum; Qualifying DSCR higher than XXXX and at least XXXX higher than guideline minimum; Housing payment history is XXXX XXXX better |  | 3 | 2 | 3 | 2 |
| XXXX | 2059470 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage. The homeowner's insurance did not reflect coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2059470 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059473 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059473 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059473 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068723 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Regulations | XXXX | This loan failed the per diem interest amount test. (XX Bus. Prof. Code §2948.5). The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2068723 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2068723 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2061115 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061115 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert which has not been adequately addressed in the loan file. Per guidelines, when there's a credit alert on the credit report the underwriter must complete the FACTA Fraud Alert Verification form to independently verify the borrower's identity. The FACTA Fraud Alert Verification form is not in the loan file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061115 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059472 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2059472 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage. The homeowner's insurance policy did not reflect coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2059472 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059490 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059490 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059490 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061110 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061110 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061110 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2051358 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within 3 days of the change, the increase to the following fees was not accepted as valid: Appraisal Fee on the revised LE issued XX/XX/XXXX. Although the notice of changed circumstance form reflect the change occurred on XX/XX/XXXX the appraisal invoice reflects the increase due to Trip/Research Fee was paid by the Mortgage Broker on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2051358 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2051358 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered y the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Coverage provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2051358 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supported original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061255 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061255 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061255 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059475 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary section is incomplete; Missing box checked for personally known or have produced identification. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2059475 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059475 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062544 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062544 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062544 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068733 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068733 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068733 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059476 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059476 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059476 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067873 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067873 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067873 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062545 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Cert provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2062545 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062545 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067874 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067874 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067874 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067875 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067875 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | XXXX XXXX/XXXX assets were not properly documented, providing the trust agreement for XXXX - XXXX DTD XX/XX/XXXX. Per guidelines, if the borrower is both the individual establishing the trust and the beneficiary of the trust, provide the trust agreement or trust certification to verify the following requirements: identify the borrower as the beneficiary and that the borrower has full access to the funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Trust provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067875 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067876 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067876 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | XXXX XXXX/XXXX assets were not properly documented, providing the trust agreement for XXXX - XXXX DTD XX/XX/XXXX. Per guidelines, if the borrower is both the individual establishing the trust and the beneficiary of the trust, provide the trust agreement or trust certification to verify the following requirements: identify the borrower as the beneficiary and that the borrower has full access to the funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Trust provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067876 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067877 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067877 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | XXXX XXXX/XXXX assets were not properly documented, providing the trust agreement for XXXX - XXXX DTD XX/XX/XXXX. Per guidelines, if the borrower is both the individual establishing the trust and the beneficiary of the trust, provide the trust agreement or trust certification to verify the following requirements: identify the borrower as the beneficiary and that the borrower has full access to the funds. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067877 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059477 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059477 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059477 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061117 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061117 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061117 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059478 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059478 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059478 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059488 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059488 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059488 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LRA dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059480 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059480 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. DSCR below 1 requires exception and management approval. DSCR is XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Exception indicated approval by XXXX with conditions. The comments box that illustrates conditions is blank. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The comments box is blank. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Upon further review the lender exception is approved by client and client had no other comments. (Waived)<br>**  |  | Compensating factors: FICO XXX, reserves of XXXX XXXX XX months, Payment history is XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2059480 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064467 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure does not have one of the two boxes checked stating whether the reason they will not have an escrow account is because they declined it or because the lender does not offer one. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2064467 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2064467 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2059481 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059481 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059481 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059485 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059485 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059485 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059482 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2059482 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2059482 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2061256 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061256 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property did not reflect coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061256 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065700 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary did not check the box regarding the corporate seal. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065700 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065700 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068741 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068741 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing a Business Narrative form or equivalent along with verification borrower is a minimum 25% owner for all three businesses with income used to qualify as required per investor guidelines. Audit used 50% expense ratio to qualify with 100% ownership, documentation to support. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2068741 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | The loan file is missing a Verification of Self-Employment for the borrower for all three of the businesses used as qualifying income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> VOEs provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2068741 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062546 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Loan Discount Fee (Points) and HOA Certification Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> PCCD - HOA FEE<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Attached <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient tocure the finding. The PCCD issued on XX/XX/XXXX has been provided. Updated testing resulted XXXX a 0% tolerance violation for the addition of the Points - Loan Discount Fee XXXX the amount of XXXX, XXXX without a valid COC on the CD issued on XX/XX/XXXX. A cost to cure of XXXX, XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The CD issued on XX/XX/XXXX has been provided; however, a COC for the addition of the Points - Loan Discount Fee XXXX the amount of XXXX, XXXX has not been provided. Please provide a valid COC for review. A cost to cure XXXX the amount of XXXX, XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2062546 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062546 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059484 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059484 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059484 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059483 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059483 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059483 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059487 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059487 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059487 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064468 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064468 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064468 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061262 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately.The Business Purpose Rider is missing. The Lender utilized the XXXX uniform instrument, and the loan was a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document, which included the necessary corrections on page 2. The borrower is required to initial the changes made. | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> There is no business purpose rider. We have done multiple BP loans and this isn't a document that prints with our mortgae<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061262 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing required STR Documents | XXXX | The subject is a Short Term Rental and the AirDNA was provided to support the annual rents. The investor guidelines required the AirDNA to provided 5 comparable properties within 2 miles of the subject or within the same zip code that are generally similar in size room count, availability and occupancy. The AirDNA did not provided the required comps and details of the comps. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> See attached AirDNA, it has higher income than we used. We put the list view too so you can see it has the same characteristics and the distance from XXXX and XXXX since we can't get distances on AirDNA but these are two set markers on the original map. They are XXXX miles apart and the comps are all XXXX between.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Corrected docs provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> AirDNA provided has a street addressof XXXX. The subject street address is XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and elects to waive. Map provided showing distances. Guideline is XXXX same zip code sufficient evidence provided. Noted compensating factors: 1. XXX months reserves 2. XXX qualifying credit score<br>**  | XXX score. XX% LTV. XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2061262 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061258 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061258 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One XXXX More Reports Missing | XXXX | Credit report dated XX/XX/XXXX with subject loan closing on XX/XX/XXXX. Guidelines require a gap credit or undisclosed debt monitoring report no more than 10 days prior to the loan closing or any time after closing and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061258 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided for allowing a disputed credit tradeline with a balance of $XXXX not to be paid off as exceeds max $XXXX allowed. Investor to provide downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: low LTV of XXXX% versus max XXXX% LTV; FICO XXX versus FICO XXX on matrix; DTI XXXX% vs max DTI XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2061258 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068724 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068724 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2068724 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | The qualifying income was sourced from 24 months of personal bank statements. The self employed business narrative reflected the business was a product business with stores selling products and services for the products. The standard business expense factor based on the number of employees was XXXX%. At origination an expense factor of XXXX% was used and was based on a letter from borrower's accountant. The accountant was not verified as a licensed accountant. The accountant letter stated the expense factor was over XXXX%; however, did not state the expense factor as XXXX%. A lender exception was in file as the subject does not meet the Program Parameters for income documentation as Borrower's self-employment was verified with an accountant letter (expense factor). The preparer of the letter was the principal of the accounting firm; however, was not a licensed accountant. As the exact expense factor was not stated as XXXX% and guide required XXXX%, the lender exception could not be validated. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX months PITIA reserves, borrower has worked same job for more than XX years, and residual income of XXXX. |  | 4 | 2 | 3 | 2 |
| XXXX | 2068724 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender exception in file as subject property is considered rural due to property characteristics, XXXX acres with remaining economic life of XX years and does not meet the Program Parameters for Property Type. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XX months PITIA reserves, borrower has worked same job for more than XX years, and residual income of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2068724 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061257 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061257 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061257 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061113 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061113 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061113 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067881 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2067881 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | ROR - Timing | XXXX | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)). The funding date, XX/XX/XXXX, is before the third business day following consummation, XX/XX/XXXX. Additionally, rescission needs to be re-opened. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Final CD attached - loan disbursed on XX/XX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067881 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2067881 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067881 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2059486 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059486 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059486 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061259 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061259 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061259 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2059489 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2059489 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2059489 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2061260 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Other | XXXX | There were additional observations regarding the closing documentation. The cash out letter states an unacceptable reason for the cash proceeds. It states delayed financing to recapture funds used to acquire the property. It doesn't state what those funds will be used for. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061260 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing; The Business Purpose Rider. The Lender utilized the XXXX uniform instrument, and the loan is a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document section F "Riders" with reference to Business Loan rider attached. The borrower is required to initial the changes made | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> This is not needed please review<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061260 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property does not contain protection against loss or damage from fire as reflects on the insurance policy as well as other perils as required by the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061260 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061261 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing; The Business Purpose Rider. The Lender utilized the XXXX uniform instrument, and the loan is a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document section F "Riders" with reference to Business Loan rider attached. The borrower is required to initial the changes made | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Business Purpose Loan.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061261 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061261 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062548 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062548 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062548 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070827 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070827 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070827 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061114 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061114 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061114 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074049 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074049 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for: XX months of 2nd lien mortgage payments and a letter of explanation to satisfy 12 months payment requirements. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXX, Residual income exceeds XXXX per month, DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2074049 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061265 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061265 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061265 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064469 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064469 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. Guidelines indicate that for 2-4 unit properties, the minimum square footage must be equal to or greater than 400 square feet per individual unit. The subject property is a XX-unit property, consisting of XXXX square feet for unit XXXX square feet for unit XXX and XXX square feet for unit XXX. XXX of the XXX units do not meet the minimum required square footage to be eligible for financing. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2064469 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068725 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068725 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing required STR Documents | XXXX | Lender Exception in file to permit the use of Market Rents to calculate qualifying DSCR. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please clear as DSCR is still over XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Documentation not needed as an exception was provided <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Short Term Rental documentation is required if an exception to use market rents is not provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Exception must be granted by Investor. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Experienced Investor, XX months PITI Reserves, 0x30 prior XX months mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2068725 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The guidelines indicate all HOI policies must show evidence of Perils coverage. The evidence of insurance provided does not reflect coverage for perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> LOE provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2068725 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file to permit a XXXX% LTV for a Short-Term Rental, when the guidelines indicate the maximum LTV for a Short-Term Rentals is XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Experienced Investor, XX months PITI Reserves, XXXX prior XX months mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2068725 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The guidelines indicate property taxes are required to be escrowed for Short Term Rentals. The subject is a Short-Term Rental, and the Final CD doesn't reflect that property taxes for escrows were collected at closing. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Experienced Investor, XX months PITI Reserves, 0x30 prior XX months mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2068725 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061123 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061123 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061123 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062552 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure does not reflect whether the reason for no escrows is because they declined it or because the lender does not offer one. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2062552 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2062552 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2075260 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075260 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower was required to evidence XX months of PITIA reserves, equal to $XXXX. The loan application reflected that the borrower received cash out proceeds from a refinance of another property in the amount of $XXXX. However, the cash-out proceeds had already been deposited in XXXX #XXXX on XX/XX/XXXX; therefore, the account balance of $XXXX included the proceeds. As a result, there was a $XXXX shortage of verified funds for reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> HUD from other refi cash out attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2075260 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061263 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD from XXXX as sent and viewed XXXX, the CD from XXXX was compliant being signed at consummation. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> PCCD provided <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. The e-consent has been provided with information a CD was issued and received on XX/XX/XXXX by the borrower. The actual CD issued on XX/XX/XXXX needs to be provided to verify it was complete. The actual CD is also needed for accurate ToleranceTesting, HPML, APR, and Points and Fees testing. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The referenced documentation was not received. Please provide for review. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061263 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee, LE XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> CIC for appraisal fee was re-disclosed within 3 business days of the ILE. Invoice shows the lender was made aware of the change on XXXX when we re-disclosed<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> CIC states it is for the appraisal increase. Lender was not made aware of the fee until XXXX and re-disclosed 3 days within the ILE which is compliant and no cure is needed<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding.The COC provided on XX/XX/XXXX does not provide a valid reason for the increase of the Appraisal without more details. The COC does notstate the reason for the increase. Provide information as to why the Appraisal increased. A cost to cure XXXX the amount of XXXX.00remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. We agree the lender disclosed the increase of the Appraisal fee within 3 days of knowledge of the increase; however, a valid reason as to why the Appraisal fee increased is required. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2061263 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061263 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062559 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062559 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062559 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070841 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070841 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070841 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061116 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The No Escrow Table is inaccurate. There is no box checked as to if Escrow's were declined or your lender does not offer one. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2061116 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2061116 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2062549 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2062549 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The borrower is an entity however the Loan Agreement Exhibit B was signed as an Individual. The Entity name and position the borrower holds within the entity is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062549 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The current Certificate of Good Standing or equivalent document is missing for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Doc provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062549 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062558 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062558 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Both notary sections did not check the box for how the borrowers appeared before them. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Per escrow this was corrected before it was sent for recording<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062558 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. XXXX statute (XXXXS.A.46:10B-2) prohibits prepayment penalties for loans, unless they are a corporation. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2062558 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> HOI Policy provided as required. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062558 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2061121 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061121 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061121 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Updated HOI provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Email chain from Insurance Company and policy includes perils coverage. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061121 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The subject transaction was for the purchase of a second home. The investor guidelines for second homes stated property must not be a rental property or a timeshare arrangement and that the hazard insurance policy may not contain any coverage for loss of rents. Hazard policy provided included $XXXX in loss of rents coverage and landlord personal injury liability coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> HOI without rent coverage provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Corrected policy provided. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061121 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061264 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing; The Business Purpose Rider. The Lender utilized the XXXX uniform instrument, and the loan is a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document section F "Riders" with reference to Business Loan rider attached. The borrower is required to initial the changes made | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Business Purpose Loan.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061264 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061264 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062550 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062550 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062550 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062555 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062555 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062555 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065697 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065697 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065697 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068740 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD and tracking attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2068740 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068740 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059491 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2059491 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2059491 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062551 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062551 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062551 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061122 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2061122 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing: Prepayment Rider | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061122 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject loan closed in the name of XXXX. The investor guidelines required the Operating Agreement and EIN/ W9 for the LLC. The required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061122 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2061122 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064470 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064470 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing a current housing payment history covering the past 12 months, per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> VOR provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2064470 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | The borrower does not meet the minimum trade line requirement of 3 accounts reporting for a minimum of 24 months with activity in the last 12 months, per guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX% DTI. XXXX.000 per month residual income. XXX score. |  | 3 | 2 | 3 | 2 |
| XXXX | 2064470 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062556 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2062556 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Guidelines require if the borrower is living rent free then a signed and dated letter from the individual obligated on the lease agreement must be obtained stating the borrower is living rent free an what the relationship is to the borrower. The file contains only a statement from the borrower that reflects the husband takes care of the rent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> VOR completed by a professional management company that shows that the account is XXXX both the name of the borrower and the non-borrowing spouse.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2062556 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075248 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075248 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075248 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061118 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061118 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2061118 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2061119 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061119 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2061119 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062557 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following Rider is missing; The Business Purpose Rider. The Lender utilized the XXXX uniform instrument, and the loan is a Business Purpose Loan, a Business Purpose Rider is required. Please provide the executed rider and a revised mortgage document section F "Riders" with reference to Business Loan rider attached. The borrower is required to initial the changes made | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> We've done multiple BP loans an this has not been previously required, This does not print on our docs<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Finding voided. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062557 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062557 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065704 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065704 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower was converting a primary residence to an investment property. Per the lender's guidelines XX months reserves are required on the subject property and on the departure residence. Total required reserves were $XXXX (XXx $XXXX subject PITI + XX x $XXXX PITI on departure residence). Total verified assets was $XXXX; however, required assets was $XXXX which results in a shortage of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Updated calc and 1008 provided with DTI under 50%<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Recalculated assets of XXXX sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065704 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI exceeds Originator Guidelines. The subject loan was approved with a DTI of XXXX%. Per the lender's guidelines the maximum allowable DTI is XXXX% when the LTV is greater than XXXX%. The LTV on the subject transaction is XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> DTI is XXXX%<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Updated calc and 1008 provided with DTI under 50%<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> There is an Originator exception XXXX file for a XXXX% DTI. The DTI calculated at review was XXXX%. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Recalculated DTI is XXXX%. Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Housing payment history is XXXX XXXX better; Borrower has worked XXXX same job more than 3 years |  | 3 | 2 | 3 | 2 |
| XXXX | 2065704 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Dec page provided with coverages<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065704 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The business narrative and CPA letter did not reflect an expense factor. Per the lender's guidelines a XXXX% expense factor was required for real estate businesses (XXXX). The loan was approved with a XXXX% expense factor. Using a XXXX% expense factor results in qualifying income of $XXXX monthly and DTI of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Updated calc and 1008 provided with DTI under 50%<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Originators calculation utilized the required XXXX% expense factor. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065704 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for documentation requirements. Per the lender's guidelines all parties listed on each bank account must be included as borrowers on the loan. Personal bank statements used at origination for income qualification (XXXX #XXXX and XXXX #XXXX) reflected a third party as an account holder who was not a borrower on the subject loan. Client to approve downgrading finding based oncompensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception provided<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The exception form provided is missing the exception reason. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Housing payment history is XXXX XXXX better; Borrower has worked XXXX same job more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2065704 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070820 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following:The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2070820 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. Because thechange occurred on XX/XX/XXXX, and consumer was not provided the disclosurewithin 3 days of the change, the increase to the following fee was not acceptedas valid: Loan Discount Points on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2070820 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Aged > 120 days | XXXX | The appraisal was > 120 days at the time of closing with no updated value provided. A recert of value is not in the loan file although, per guidelines, a recert of value is not allowed for transferred appraisals. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XXXX per month residual income. XX month of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2070820 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per guidelines for transferred appraisals, a PDF copy of the color appraisal and an AIR cert are required and missing from the loan file. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Still missing AIR Cert. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and waived. Final inspection completed. Compensating factors: 1. XXX qualifying credit score 2. XXXX monthly residual income 3. XX months reserves<br>**  | XXX score. XXXX per month residual income. XX month of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2070820 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065707 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Closing Disclosure provided in the loan file was the FINAL binding CD. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2065707 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065707 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The borrower and Notary signature was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065707 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified. The loan application reflects the rental property at XXXX had a monthly PITIA payment of $XXXX and an unpaid mortgage balance of $XXXX. The loan file did not contain any documentation to confirm the accuracy of this payment. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Loan is not approved - attached conditional approval with HOI & taxes<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065707 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Binder states Wind & Hail are included - for XXXX these are the only required perils <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065707 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The lender's guidelines require a signed Certification of Business Purpose/Non-Owner Occupancy. This document in the loan file was unsigned. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065707 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075250 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075250 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075250 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068734 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068734 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for minimum property size. The Origination Appraiser indicated that the 4 individual units were less than XXXX sq ft. Lender guides require a minimum of XXXX sq ft. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp Factors - FICO XXX, Reserves exceed XX XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2068734 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan is not an Arms Length transaction. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXX, Reserves exceed 12 XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2068734 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068729 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068729 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068729 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070822 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070822 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for Duplex plus an Accessory Dwelling Unit. Determined non-material based on compensating factors. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXX, LTV XX%, 0 x 24 housing history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2070822 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064471 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064471 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender Exception in file as the subject loan does not meet Program Parameters for purchase transactions with a contract assignment. Per the lender's guidelines the purchase contract must show the borrower/buyer's name (not an assignee) and be fully executed by buyer and seller and include all counter offers and/or addenda. The original purchase contract did not reflect the borrower as the purchaser. The purchase contract was reassigned to the borrower. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Excepti9on provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO higher than XXX and at least XX points higher than guidelines minimum; Monthly reserves are verified and at least XX months more than guidelines minimum; Qualifying DSCR higher than XXXX and at least higher than guideline minimum; Housing payment history is 0x30x24 XXXX better. |  | 3 | 2 | 3 | 2 |
| XXXX | 2064471 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064475 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064475 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. The following Business purpose documentation was not executed by the borrower/entity: Business Purpose Certification, Affidavit of Occupancy. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2064475 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Missing Signature | XXXX | The Note and Prepayment Addendum to Note were not fully executed by the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2064475 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument and the following Riders were not fully executed by all required parties: Prepayment Rider, Assignment of Leases and Rents Rider. The borrower/entity signature was missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2064475 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum of 0 months prepayment term, the loan has a XX month prepayment term. The loan fails the prepayment test by XX months. This loan failed the prepayment test. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2064475 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064475 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2064476 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum of 0 months prepayment term, the loan has a XX month prepayment term. The loan fails the prepayment test by XX months. This loan failed the prepayment test. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2064476 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2064476 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2068726 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068726 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan LTV of XXXX% does not meet the program eligibility guidelines of XXXX%. Subject is a condo in Florida with a starting maximum LTV of XXXX%, the appraisal indicates a declining market which decreases the maximum LTV by an additional XXXX% to XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XX months of reserves. XXXX DCSR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2068726 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065706 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065706 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065706 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070818 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070818 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The transaction is a purchase of a primary residence. The HOI provided reflected a policy period beginning XX/XX/XXXX; however, the Note date is XX/XX/XXXX. Additionally, the policy number is identical to the policy number for the retained departure residence. It should also be noted that coverage for perils was not included. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> HOI is still effective over note date and is sufficient. Premise confirmed that it covers new purchase.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Please provide policy with 12 months of coverage from the Note date, which referenced All Perils. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and elects to waive. Perils is included XXXX coverage unless otherwise stated. Noted Compensating factors: 1. XXX qualifying credit score 2. XX months reserves<br>**  | XXX score. XX months of reserves. XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2070818 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062560 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062560 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2062560 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070819 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070819 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070819 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The homeowners insurance policy was provided with coverage details. The investor guidelines required insurance protecting against other perils, including wind, hail smoke, civil commotion (including riots), damage caused by aircrafts, vehicle, or explosion covered by the standard extended coverage endorsement. The policy provided does not indicate coverage for all perils as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> confirmation provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070819 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065699 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the decrease of Lender Credits on the CD issued XX/XX/XXXX. In addition, there was no valid reason for the decrease of Lender Credits on the revised LE issued XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Valid CIC for change XXXX XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065699 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD from XXXX and proof received same day provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065699 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065699 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | The subject loans income was calculated from 12 months of business bank statements from XXXX, account ending XXXX. The required 12 months of bank statements were not provided to support the income. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> 12 months of personal and business statements were provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Per condition: The subject loans income was calculated from 12 months of business bank statements from XXXX, account ending XXXX. <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> business statements provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Only personal statements were provided. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Statements XXXX file do not end XXXX 1607 and are personal, not business. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065699 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan was a cash out refinance to buyout ex-spouses interest in the subject based on pending divorce decree/ property settlement agreement. Letter from borrower stated cash out purpose was to payoff ex-spouse. Guidelines required a written agreement signed by all parties stating the terms of the buyout. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Pay-out letter provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065699 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | The self-employed income from borrower's business, XXXX was used for qualifying. Investor guidelines required borrower to be self-employed for a minimum of two years, proof the business was in existence for at least 2 years and reflecting borrower's percentage of ownership. Required verification of self-employed business and ownership percentage was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Ownership provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065699 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070837 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD sent XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070837 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070837 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074051 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Initial Escrow Statement - Missing | XXXX | The Initial Escrow Account Statement is missing from the file. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.17(g), (h) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2074051 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file, The subject loan does not meet Program Parameters for history of self-employment under the bank statement program. Per the lender's guidelines the borrower(s) whose income is being calculated using bank statements must: Be verified to be self-employed for at least XX years and the business must be in existence for at least XX years. Less than XX years of business existence can be considered with documentation of a minimum of XX years employment history in the same line of work or related profession, prior to starting own business and being self-employed (less than XX year of business existence will not be considered). The business was opened XX/XX/XXXX. Additionally, the borrower has less than a XX-year employment history in the US. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Monthly reserves are verified and at least XX months more than guidelines minimum; Qualifying DTI less than XXXX% and at least 10% less than guideline maximum |  | 3 | 2 | 3 | 2 |
| XXXX | 2074051 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2067879 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Final SS and PCCD provided showing final recording fee was decreased <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067879 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Employment History | XXXX | Per the lender's guidelines the borrower(s) whose income is being calculated using bank statements must be verified to be self-employed for at least 2 years, and the business must be in existence for at least 2 years. Less than 2 years of business existence can be considered with documentation of a minimum of 4 years employment history in the same line of work or related profession, prior to starting own business and being self-employed. The borrower's business used for qualifying income; XXXX was established XX/XX/XXXX which is less than 2 years (note date XX/XX/XXXX). | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Proof the business has been opened 2+ years<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067879 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062553 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062553 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD sent XXXX and viewed XXXX. E-consent also provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2062553 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062553 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2062554 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2062554 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The lender's guidelines required 6 months reserves totaling $XXXX to be verified. The non-borrowing spouse's XXXX account was utilized towards reserves. The statement reflects a portion of the funds, $XXXX, is held in cryptocurrency. Per the lender's guidelines cryptocurrency is not permitted as reserves but can be liquidated to US dollars. There is no evidence that these funds were liquidated. As a result, the borrower is short $XXXX in reserves. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Page 85 states: "Non-borrowing spouse who is contributing funds is not considered a gift, therefore a gift letter is not required." <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> If we ignore the crypto balance of XXXX we still have (XXXX+XXXX) Assets required to close is XXXX Verified assets is XXXX Remaining assets that can be used for reserves is XXXX Plus the XXXX+XXXX from the NPS account = XXXX+XXXX+ XXXX =XXXX/XXXX= XXXX months of reserves. <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> the final settlement statement from the signed closing documents bucket dated XXXX Showing funds to close as XXXX and the required reserves were XXXX totaling XXXX, and we have verified XXXX with 3 accounts<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> Please downgrade and waive<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Spouses ability to provided funds without a gift letter is not being questioned. Excluding the cryptocurrency XXXX the account results XXXX a reserve shortage. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Funds available: XXXX XXXX + XXXX XXXX + XXXX XXXX + Cleared EMD XXXX + XXXX XXXX + XXXX XXXX + XXXX XXXX = XXXX available. Funds required: XXXX POC + XXXX EMD + XXXX cash to close = XXXX required. XXXX shortage. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The breakdown was provided. Shortage is XXXX. The XXXX POC is not documented. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score 2. XXXX monthly residual income<br>**  | XXX score. XXXX% DTI. XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2062554 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068739 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068739 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068739 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065701 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065701 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD sent XXXXand viewed XXXX<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Disclosure tracking details (page 821) shows printout ICD sent XXXX and the edisclosure was received XXXX<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to clear the finding. eConsent was provided showing borrower generally agrees to accept documents electronically but no evidence was sent showing borrower viewed the XX/XX/XXXX CD on XX/XX/XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2065701 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2065701 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068735 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD provided and e-consent<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2068735 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068735 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067880 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067880 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067880 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065702 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065702 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065702 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070821 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070821 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070821 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068727 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068727 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068727 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074065 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The vested interest reflected on the Security Instrument is inconsistent with the current Title. The Borrower's name on page 1 of the Security Instrument does not match the vested name shown on Title. The Borrower's name is listed without a suffix, whereas the Title reflects the name with a suffix. The Name Affidavit included in the loan file does not list the Borrower's name with the suffix as an alternate or also known as name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074065 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074065 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071808 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071808 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071808 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068728 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068728 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068728 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075247 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075247 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075247 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064472 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064472 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064472 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064473 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064473 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Liabilities - Excluded Debts | XXXX | Per the lender's guidelines the payment reflected on the credit report for a HELOC may be used for qualification purposes, unless a draw against the HELOC is part of the loan transaction or is otherwise disclosed in the loan file but not reflected in the balance on the credit report. The account statement reflected a monthly payment of $XXXX with a balance of $XXXX. The borrower took an advance of $XXXX on XX/XX/XXXX from the HELOC account on the departure residence. The funds were used towards the down payment on the subject transaction. The balance on the HELOC increased to $XXXX; however, the increase in monthly payment was not included in the DTI. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> the UW used XXXX as the updated monthly payment <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2064473 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. The loan application reflected the revolving debt with XXXX monthly payment $XXXX and revolving debt with XXXX monthly payment of $XXXX was omitted without explanation. As a result the DTI increased from XXXX% to XXXX% which exceeds maximum allowable DTI of XXXX% with an LTV over XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> These were on the final CD - paid off at closing<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2064473 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | The subject loan does not meet Investor Program Parameters for DTI. Lender Exception in file as the subject loan does not meet Program Parameters for DTI. Per the lender's guidelines when the LTV is greater than XXXX% the maximum DTI is XXXX%. The subject transaction was approved at XXXX% LTV with a DTI of XXXX%. Client to approve downgrading finding based on compensating factor. | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please advise what income/debts are being used<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Exception form reflects a delivery DTI of XXXX%. Review DTI was XXXX%. Please provide an Investor exception for XXXX% DTI. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Upon Senior Management review, an account with a payment of XXXX was counted twice therefore pushing the DTI over 45%. Recalculation has been done and DTI now at XXXX%. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064473 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Interested Party Contributions (IPCs). Per the lender's guidelines the maximum allowable contribution from interested parties is XXXX% if the LTV/CLTV is greater than XXXX%. The subject transaction was approved at XXXX% LTV/CLTV with XXXX% IPCs. Client to approve downgrading finding based on compensating factor. | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please advise what IPC are being included. XXXX% of the loan amount is XXXX and that was the seller credit on the loan. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Explanation is sufficient. The Seller only contributed XXXX% of the price. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064473 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070824 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070824 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070824 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071806 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2071806 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for housing history. The loan file contained a VOR which reflects 1x30 within the last 12 months. Per the lender's guidelines the required housing history is 0x30x12. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: FICO higher than XXX and at least XX points higher than guidelines minimum; Monthly reserves are verified and at least XX months more than guidelines minimum; Qualifying DTI less than 35% and at least 10% less than guideline maximum |  | 3 | 2 | 3 | 2 |
| XXXX | 2071806 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068732 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Initial Escrow Statement - Missing | XXXX | The Initial Escrow Account Statement is missing from the file. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.17(g), (h) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2068732 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2068732 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2068736 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068736 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068736 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068730 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068730 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068730 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074052 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074052 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074052 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070823 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum 0 months prepayment term, the loan has a XX month prepayment term. The loan fails the prepayment test by XX months. Borrower is an LLC. | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2070823 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2070823 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2070825 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070825 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for bank statement income. Per the lender's guidelines there should be no more than 5 NSFs/Overdrafts in the most recent 12 months. A review of the bank statements reflects 7 NSFs/Overdrafts in the last 12 months. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Monthly reserves are verified and at least 4 months more than guidelines minimum; Qualifying DTI less than 35% and at least 10% less than guideline maximum; Borrower has worked XXXX same job more than 3 years; Borrower has worked XXXX same industry more than 5 years; Borrower has verified residual income (disposal income) of at least XXXX per month; Housing payment history is 0x30x24 XXXX better; Other - residual income of XXXX; Departing property owned free and clear since XXXX; Verified reserves of XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2070825 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071815 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071815 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. Per guidelines, hazard insurance policies must show evidence of perils coverage. The insurance provided does not indicate perils coverage as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071815 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070834 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070834 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070834 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065703 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX . If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Initial CD was sent out XX/XX/XXXX - see attached. <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2065703 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for Co-Borrower Non Permanent Resident Status with XXXX. Client to approve downgrading this based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Sufficient Reserves, B2 Fico XXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2065703 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068738 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068738 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068738 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a 2nd Appraisal, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074050 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074050 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for both units of a 2 family subject property to be vacant. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: FICO XXX, LTV XXXX%, Reserves Exceed 12 XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2074050 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject property is missing Perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> LOE provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2074050 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2065705 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065705 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2065705 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074053 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum 0 months prepayment term, the loan has a XX month prepayment term. The loan fails the prepayment test by XX months. Borrower is an LLC. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2074053 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2074053 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2064474 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064474 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2064474 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070826 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum of 0 months prepayment term, the loan has a XX month prepayment term. The loan fails the prepayment test by XX months. This loan failed the prepayment test. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2070826 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2070826 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2067882 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067882 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2067882 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071819 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071819 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071819 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070828 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070828 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070828 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074063 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074063 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file as the DSCR is less than 1 for a cash out refinance with a FICO of XXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Low LTV at XXXX%, XX months reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2074063 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070829 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070829 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for LTV. The subject loan was a purchase with a qualifying credit score of XXX. The maximum allowable LTV was XXXX%; however, the appraisal reflected a declining market which requires a XXXX% LTV reduction. As a result, the maximum allowable LTV is XXXX%. The subject loan amount of $XXXX and the sales price of $XXXX results in an LTV of XXXX% which exceeded program guidelines. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Qualifying DTI less than XXXX% and at least XXXX% less than guideline maximum |  | 3 | 2 | 3 | 2 |
| XXXX | 2070829 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070830 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070830 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception provided for 4 months of cancelled checks for Verification of Rents (1 of which was paid cash). Determined non-material based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Residual income of at least XXXX, Employment history, Housing History |  | 3 | 2 | 3 | 2 |
| XXXX | 2070830 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075249 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075249 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The loan file is short by $XXXX required assets. No exception noted in file. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached recent assets statements and proof of large deposit of $XXXX <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> We have enough assets verified. Attached CD and assets statements. Total assets verified XXXX Assted to close from final CD/settlement statement XXXX Additional assets : XXXX-XXXX = XXXX Reserves: XXXX/XXXX = XXXX months <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> EMD docs provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Statements received were already XXXX file. Shortage stands. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Shortage stands at this time. Evidence of XXXX EMD clearance and POC clearance prior to most recent bank statements results XXXX the shortage. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Shortage of XXXX remains. Documentation of the XXXX POC clearance would be sufficient to clear. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XXXX)<br> Investor reviewed and elects to waive. Borrower has sufficient assets to cover the XXXX shortage. Noted Compensating factors: 1. XXXX% DTI 2. XXXX months reserves<br>**  | XXX score. XXXX% DTI. XXXX per month residual income. XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2075249 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071807 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071807 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071807 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068731 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Page 574 of package shows E-consent date of XX/XX/XXXX date ICD sent XX/XX/XXXX and received XX/XX/XXXX this is sufficient<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> ICD sent XXXX and viewed XXXX provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The referenced documentation was not received. Please provide the Initial CD XX/XX/XXXX issued on for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2068731 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068731 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2068742 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Principal Reduction attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2068742 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068742 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071818 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071818 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071818 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074064 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074064 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074064 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074054 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074054 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file does not contain a gap credit or undisclosed monitoring report within 10 days prior to closing or any time after as required per investor guidelines. The most recent credit report/ credit document is date XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074054 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing documentation the monthly mortgage payment for XXXX. along with sufficient documentation for the rental income used to qualify on that property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> VOM reflects XXXX, Is this the address?<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Final CD for REO provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Apologies, yes that is the address for which the VOM is required. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074054 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067883 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2067883 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2067883 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074061 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2074061 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2074061 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074061 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071814 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Lock was updated that resulted XXXX pricing changes - see comments on lock<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2071814 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A COC was provided but the reason stated was not enough information to prove a valid change of circumstance. Therefore, the addition to the following fees was not accepted: Points . A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> See comments on the lock <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2071814 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception. Investor guidelines state less than 2 years business experience can be considered with documentation of a minimum of 4 years employment history in the same line of work. The borrower has been self employed for 1 year 4 months with no prior industry experience. Client to approve downgrading finding based on compensating factors. ? | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Good FICO XXX- Good reserves XXX months- Low DTI < 30%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2071814 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074056 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074056 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The investor guidelines required either a gap credit or undisclosed debt monitoring report no more than 10 days prior to loan closing or any time after closing. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> UDM provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2074056 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Lender exception in file as the subject loan does not meet the investor guidelines for VOR/rental history. VOR is from a private landlord and 12 months of canceled check/bank statements to support the monthly payments were required and not able to be provided. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: DTI of XXXXlower than maximum allowed, LTV of XXXX% is XXXX% less than the maximum allowed, residual income of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2074056 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071817 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071817 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Recording fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Cure was applied to closing CD<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071817 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD and proof provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071817 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071817 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074068 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074068 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074068 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075251 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075251 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075251 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075252 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075252 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for bank statement income. Per the lender's guidelines there should be no more than 5 NSFs/Overdrafts in the most recent 12 months. A review of the bank statements reflects 16 NSFs/Overdrafts in the last 12 months. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: Monthly reserves are verified and at least 4 months more than guidelines minimum; Qualifying DTI less than 35% and at least 10% less than guideline maximum; Housing payment history is 0x30x24 XXXX better; Borrower has worked XXXX same job more than 3 years; Borrower has verified residual income (disposal income) of at least XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2075252 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070836 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070836 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070836 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070838 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070838 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070838 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2068743 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068743 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Per guidelines, Hazard insurance policies must show evidence of Perils coverage. The insurance provided does not show evidence of Perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Dec page with coverage provided<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2068743 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet program parameters for property type. The appraiser indicated that the property is located on XXXX acres when the maximum allowed is XXXX acres. The exception in the loan file is approved to allow XXXX acres which is also outside of guidelines. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Acre exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXX FICO, XXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2068743 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2071811 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071811 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071811 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074057 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074057 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074057 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074058 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074058 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender exception in file as the subject loan does not meet program parameters for property type. The subject property is a log home. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XX months reserves, XXX FICO. |  | 3 | 2 | 3 | 2 |
| XXXX | 2074058 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070831 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> PCCD and check provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2070831 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070831 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074055 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: 1-4 Family Rider. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Doc provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> re-provided same<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The referenced documentation was not received. Please provide for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2074055 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074055 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070842 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070842 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070842 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071810 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071810 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071810 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074059 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074059 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074059 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075253 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075253 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file is missing the FHLMC SSR report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2075253 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074060 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074060 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074060 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075254 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075254 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters escrow waiver. A review of the final CD reflects the borrowers did not escrow for property tax and insurance. Per the lender's guidelines to be eligible for a waiver of the escrow account, the loan transaction must meet the following: No portion of the loan proceeds may be used to pay delinquent property taxes (taxes past due more than 60 days) on a cash-out refinance transaction. A review of the tax certificate indicates the 2023 and 2024 taxes were delinquent. The final CD reflects a payment to tax assessor to pay the delinquent taxes. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please waive.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. XX% LTV. XX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2075254 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070839 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2070839 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The guidelines indicate XXX-unit properties with an accessory unit are not permitted. The appraiser indicates the subject property is classified as a XX unit with an Accessory Dwelling Unit (ADU). The subject property type is ineligible for financing. It should be noted that the evidence of insurance provided covers the XXX-unit and ADU separately. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Exception attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXX score. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2070839 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074066 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074066 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074066 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071812 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2071812 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2071812 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2075261 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075261 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Per guidelines, the subject property must have other perils coverage. The hazard insurance provided does not show evidence of other perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> HOI attached<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2075261 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075255 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075255 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for: more than 2 vacant units on a 4 unit property (all 4 units vacant). Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Fico: LTV XXXX%, DSCR exceeds XX |  | 3 | 2 | 3 | 2 |
| XXXX | 2075255 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for: square footage less than 500 sq ft per unit for all four units. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: LTV XXXX%, DSCR exceeds XX |  | 3 | 2 | 3 | 2 |
| XXXX | 2075255 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2074062 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074062 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074062 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070840 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070840 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070840 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070832 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070832 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070832 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071813 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071813 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071813 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075262 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075262 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with coverage for all perils. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Proof of endorsements covered <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2075262 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2074067 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074067 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2074067 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070833 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070833 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2070833 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075256 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075256 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file, The subject loan does not meet Program Parameters for history of self-employment under the bank statement program. Per the lender's guidelines the borrower(s) whose income is being calculated using bank statements must: Be verified to be self-employed for at least XX years and the business must be in existence for at least XX years. Less than XX years of business existence can be considered with documentation of a minimum of XX years employment history in the same line of work or related profession, prior to starting own business and being self-employed (less than XX year of business existence will not be considered). The Note date is XX/XX/XXXX. The business was opened XX/XX/XXXX. Additionally, the borrower's previous employment was not in the same line of work or related profession. Client to approve downgrading finding based on compensating factor. | Waived | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Approved exception provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factor: FICO higher than XXX and at least XX points higher than guidelines minimum |  | 3 | 2 | 3 | 2 |
| XXXX | 2075256 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2068744 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2068744 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum 0 prepayment term, the loan has a XX months prepayment term. The loan fails the prepayment test by XX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2068744 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Occupancy | XXXX | The guidelines indicate if any unit is unleased or vacant, as reflected on the appraisal report, a 5% LTV reduction is required. The appraisal reflects the subject property is currently vacant. The loan is a cash-out transaction, with a fico score > 700. The program max LTV is 70% including the required 5% LTV reduction for being unleased. The loan closed with a XXXX% LTV. | Void | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Per client the XXXX% reduction for vacancy is for XXX unit properties.<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> Upon reviewing the guidelines the XXXX% reduction for a vacant property is for XXX unit properties and subject is a one unit. (Void)<br>**  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2068744 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2075257 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075257 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2075257 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2071816 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Closing Disclosure/Missing | XXXX | There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(f)(1)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> CD provided <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> ICD from 8/21 provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The CD provided is the Final CD issued on XX/XX/XXXX and received by the borrower on XX/XX/XXXX, the day of closing. Please provide a CD issued at least 3 days prior to closing to perform testing. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2071816 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2071816 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070835 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> ICD was sent XXXX - LE was sent XXXX<br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2070835 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2070835 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075259 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - CD - Revised CD Delivery Date (Waiting Period, APR) | XXXX | New finding based on rebuttal documents provided. Revised Closing Disclosure Waiting Period Required: An APR outside of allowable tolerance required a corrected Closing Disclosure and the corrected Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The baseline APR was set with the initial CD issued on XX/XX/XXXX. The APR increased more than XXXX on the next revised CD issued on XX/XX/XXXX. This triggered a new 3-day waiting period which was not met. If there were CDs issued between XXXX and XXXX, please provide those CDs along with evidence of receipt. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Re-disclosed CD with APR change provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2075259 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs provided for ICD<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> ICD provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The referenced documentation was not received. Please provide for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2075259 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075259 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a XXXX score of XXXX, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2075263 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Appraisal Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Although the regulation requires the cure within 60 days of consummation, investor will accept 60 days from the discovery date, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXX)<br> The appraisal was transferred; therefore we are not required to cure the increase.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> PCCD and check provided <br>**  | **Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to clear the finding. The increase to the Appraisal fee for the transfer fee for a total amount of XXXX was accepted. There was also an Appraisal increase for a Rent Schedule XXXX the amount of XXXX with the invoice dated XX/XX/XXXX; however, the increase was not disclosed until the CD issued on XX/XX/XXXX. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2075263 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2075263 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| **XXXX** |  |  | **XXXX** |  |  |  |  |  | **XXXX** |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 3**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 2064251 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2061145 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2067911 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2067912 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2071908 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2071906 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2071909 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1696189 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071907 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071912 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071910 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2071905 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2064250 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071913 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2071916 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2071911 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071917 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2071903 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2067915 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1710570 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2057278 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2067916 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2067913 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2073360 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2067841 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2073373 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2065421 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070879 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2065420 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2056363 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071880 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2073374 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071882 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071881 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066991 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066989 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2066990 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2066988 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2066987 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066992 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2066993 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2066986 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2070884 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2070882 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2070881 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070883 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070885 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2073416 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2066956 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066952 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2066959 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2053633 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2066955 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2066958 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2066957 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2066954 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066950 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066948 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2066953 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064473 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065707 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2068740 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2070820 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2068742 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2070821 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065696 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068736 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065704 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2068723 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2075249 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2062553 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2070835 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2062556 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2070838 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070824 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065702 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061264 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2062543 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2067881 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2068729 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2067882 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2062545 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2075250 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068732 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2064467 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2061116 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2062547 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2067883 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2068727 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065701 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2061118 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2065699 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2068724 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2068728 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064474 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070819 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2061258 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2061257 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070837 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2067873 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061110 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061263 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2067879 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2070830 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2068735 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2061121 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2062546 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2062554 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2061119 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061112 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2062552 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2075248 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068743 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2068741 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071815 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2070825 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2068730 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068731 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2061259 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071806 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2062560 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2067880 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071814 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2070836 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061120 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065706 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064476 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2064475 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2062548 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061114 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064470 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2061265 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059484 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061111 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2061254 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2061115 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2061255 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061117 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059471 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2059487 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059486 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2050501 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2059474 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059477 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059488 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2051358 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2071817 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2074051 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2071813 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075259 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2070829 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2071807 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071810 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074062 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071819 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075256 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2074058 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2070834 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075254 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2075251 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071816 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2074056 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2074067 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071811 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074052 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2075252 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2070833 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074066 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075257 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071818 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074054 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2070842 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075253 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2074049 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2074061 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2070818 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2074057 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074064 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074068 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070831 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2074059 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2062559 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065700 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2068725 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2059470 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2059482 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2062558 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2061261 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2062544 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2062542 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2075247 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2065695 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2070839 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2070828 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061122 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2065698 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2068726 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2061109 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2065705 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059480 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2061256 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2059481 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068739 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2062551 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068733 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061260 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2062549 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2061123 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2067874 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2067875 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2067876 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2067877 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2059472 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2062550 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068744 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2067878 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2061262 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2062555 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2068738 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061113 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070823 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2070826 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2070822 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2062557 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064471 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2059490 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059476 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059478 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059473 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064469 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2059475 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2059485 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059468 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2059489 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2059469 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074055 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2071808 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2074060 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075262 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2074065 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2074063 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2070841 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2070827 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2071812 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2074050 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2070832 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075261 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2070840 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075260 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2075255 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2074053 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2068734 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2065697 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2065703 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2059491 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2064472 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059479 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2059483 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2064468 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2075263 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2071809 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2066917 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2066918 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2059467 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059464 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059465 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059466 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2066919 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2059463 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1928768 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2059462 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2061171 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2071672 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071671 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071670 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2071669 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2067841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065420 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2056363 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.858% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065421 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070879 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071882 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2073373 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071880 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2073374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.939% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.192% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066991 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066987 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.995% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066992 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066989 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.211% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066990 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066993 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070882 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070885 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070883 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066948 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.933% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066986 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066988 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066950 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-01 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-02 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-03 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-04 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-05 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-06 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-07 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-08 | XXXX | XXXX | XX | XXXX |  |  | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066953 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066954 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066955 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  |  | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2053633 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066957 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066958 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696189 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1710570 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1928768 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064250 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061171 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067916 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064251 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071903 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067913 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071905 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071906 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071907 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071908 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061145 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071910 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.692% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071909 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071911 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067911 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067915 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071912 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2057278 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067912 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071913 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071916 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059466 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071672 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071671 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071670 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071669 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059462 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2066919 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2066917 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059465 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059467 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071917 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059463 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2066918 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059464 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2073360 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2073416 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065696 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067878 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059468 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071809 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059471 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061120 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065698 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059474 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065695 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059479 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 1.754% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061111 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061109 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062542 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061254 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2050501 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062547 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059469 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061112 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062543 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059470 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059473 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068723 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061115 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059472 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059490 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061110 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2051358 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061255 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059475 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062544 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068733 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059476 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067873 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062545 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067874 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067875 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067876 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067877 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059477 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061117 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059478 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059488 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059480 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064467 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059481 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059485 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059482 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061256 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065700 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068741 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062546 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059484 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.613% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059483 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059487 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064468 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061262 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061258 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068724 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061257 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061113 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059486 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061259 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059489 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061260 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061261 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062548 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070827 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061114 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | -2.564% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074049 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061265 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064469 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068725 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061123 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062552 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075260 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061263 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062559 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061116 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062549 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062558 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061121 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061264 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062550 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062555 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065697 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068740 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2059491 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062551 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061122 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064470 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062556 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075248 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061118 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2061119 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062557 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065704 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065707 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075250 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068729 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070822 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064471 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064475 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064476 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065706 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070818 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062560 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065699 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070837 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074051 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067879 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062553 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2062554 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065701 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067880 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065702 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074065 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071808 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068728 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075247 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064472 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064473 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071806 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068736 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074052 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070823 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070825 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071815 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070834 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2065703 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068738 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074050 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065705 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074053 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2064474 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070826 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067882 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074063 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070829 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070830 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075249 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071807 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068731 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068742 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071818 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074064 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074054 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2067883 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074061 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071814 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074056 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071817 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074068 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075251 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075252 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070838 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.639% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071811 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074057 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074058 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070831 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074055 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070842 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071810 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074059 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075253 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2074060 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075254 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070839 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074066 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071812 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075261 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075255 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074062 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070840 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.910% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071813 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075262 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074067 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070833 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075256 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2068744 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075257 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2071816 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2070835 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075259 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2075263 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 5**

---

| | | |
|:---|:---|:---|
| **Report Pulled:** | 10/10/2025 |  |
| **Loan Count:** | 276 / 296 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 7 | 2.54% |
| Appraised Value | 7 | 2.54% |
| CLTV | 5 | 1.81% |
| Debt Service Coverage Ratio | 35 | 12.68% |
| First Payment Due Date | 1 | 0.36% |
| Loan Purpose | 3 | 1.09% |
| LTV | 7 | 2.54% |
| Maturity Date | 2 | 0.72% |
| Original Interest Rate | 4 | 1.45% |
| Original Loan Amount | 2 | 0.72% |
| Original Qualifying FICO Score | 3 | 1.09% |
| Origination/Note Date | 11 | 3.99% |
| Originator Back-End DTI | 6 | 2.17% |
| Property Type | 19 | 6.42% |
| Subject State | 1 | 0.34% |
| The Original Principal and Interest Payment Amount (or Original IO payment) | 1 | 0.36% |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 6**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 10/10/2025 |  |  |  |  |  |
| **Loan Count:** | 276 / 296 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2067841 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2067841-01 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2067841-02 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2067841-03 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2067841-04 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2067841-05 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2067841-06 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2071882 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2073373 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2073373 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2071880 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2073374 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071881 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2070884 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2066991 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2066991 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2066991 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2066987 | XXXX | Loan Purpose | Cash Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2066989 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2066989 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2066990 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2066990 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2066993 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2066993 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2070881 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2070885 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2070885 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2070883 | XXXX | Subject State | NY | IN |
| XXXX | XXXX | 2066948 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2066950 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2066950 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2066952 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2066953 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2053633 | XXXX | Loan Purpose | Refinance (Rate/Term) | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2066957 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1696189 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1710570 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1710570 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2064250 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2064250 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2067916 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2067916 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2067916 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2064251 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2071903 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071903 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2067913 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071905 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071905 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2071906 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071906 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2071907 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2071907 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2071907 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071907 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2071907 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2071908 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071908 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2061145 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2071910 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071910 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2071909 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2071909 | XXXX | The Original Principal and Interest Payment Amount (or Original IO payment) | XXXX | XXXX |
| XXXX | XXXX | 2071911 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071911 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2067911 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2067915 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2067915 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2071912 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071912 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2057278 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2071913 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071913 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2071916 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071916 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2071916 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 2059466 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2071672 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2071672 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071671 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2071671 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2071670 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2071670 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2071670 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2071669 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2071669 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2071669 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2071669 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2071669 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2059462 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2059462 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2059462 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2059462 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2066917 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2059465 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2071917 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2059463 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2073360 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2059488 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2062546 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2061262 | XXXX | Property Type | Attached | Townhouse |
| XXXX | XXXX | 2067881 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2059489 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2061260 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2061114 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2064469 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2075260 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2075260 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2061118 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2068735 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2068735 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2070834 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2068738 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2068743 | XXXX | Appraised Value | XXXX | XXXX |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 2067841 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065420 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2056363 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065421 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070879 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071882 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2073373 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071880 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2073374 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071881 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066991 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066987 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066992 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066989 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066990 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066993 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070881 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070882 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070885 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070883 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066948 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066986 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066988 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066950 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066953 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066954 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066955 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2053633 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066957 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066958 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696189 | Investor - DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1710570 | AHL WS Rising Star - Fixed 40 Yr I/O | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Foreign National |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1928768 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064250 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061171 |  | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |  |  | XX/XX/XXXX | 1 |  |  |  |  |
| XXXX | 2067916 | AHL NonQm Client Guidelines - 5.1.2025 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064251 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071903 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067913 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071905 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071906 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071907 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071908 | AHL Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061145 | AHL WS All Star - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071910 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071909 | AHL Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071911 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067911 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067915 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071912 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2057278 | AHL WS Rising Star - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067912 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Full Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071913 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071916 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059466 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071672 | DSCR 30 Yr Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071671 | 40 Yr Fixed IO Access DSCR 1 Yr PPP | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071670 | 40 Yr Fixed Inv Solutions IO 5 Yr PPP | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071669 | 40 YR FIXED INV SOLNS IO 5 YR PPP | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059462 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066919 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066917 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  |  | XX/XX/XXXX | 1 | 132 |
| XXXX | 2059465 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059467 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071917 | AHL WS Invest Star - Fixed 30 Yr (5+ Units) | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059463 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066918 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059464 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2073360 | 30 Year Fixed Credit A | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2073416 | Fixed 30 | Full Doc | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065696 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067878 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059468 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071809 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | 1 Year Alt Doc | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059471 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061120 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065698 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059474 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065695 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059479 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full & Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061111 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061109 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062542 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061254 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2050501 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062547 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059469 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061112 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062543 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059470 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059473 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068723 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061115 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059472 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059490 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061110 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2051358 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061255 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059475 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062544 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068733 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059476 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067873 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 1 | 1 | 1 |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062545 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067874 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067875 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067876 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067877 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059477 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061117 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059478 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059488 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059480 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064467 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059481 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059485 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059482 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061256 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065700 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068741 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062546 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059484 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059483 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Full & Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059487 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064468 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061262 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061258 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068724 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Personal Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061257 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061113 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067881 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059486 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061259 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059489 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061260 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061261 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062548 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070827 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061114 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074049 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061265 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064469 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068725 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061123 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062552 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075260 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061263 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062559 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070841 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061116 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062549 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062558 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061121 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061264 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062550 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062555 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065697 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | 2 Year Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068740 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2059491 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full & Alt Doc | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062551 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061122 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064470 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062556 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075248 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061118 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2061119 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062557 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065704 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070820 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065707 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075250 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068734 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Full & Alt Doc | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068729 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070822 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064471 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064475 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064476 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068726 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065706 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070818 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062560 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070819 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065699 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070837 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074051 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067879 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062553 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2062554 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068739 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065701 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Personal Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068735 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067880 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065702 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070821 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068727 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074065 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071808 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068728 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075247 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064472 | Non-QM 30 Year Fixed Bank Statement (Asset Depletion) / Flex Income E39 | Asset Related | 1 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064473 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070824 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071806 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068732 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068736 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068730 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074052 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070823 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 4 | 4 | U.S. Citizen | U.S. Citizen | U.S. Citizen | U.S. Citizen | 0 | 0 | 0 | 0 | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070825 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071815 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070834 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065703 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Asset Related | 1 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Non-Permanent Resident-Alien |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068738 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074050 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065705 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074053 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2064474 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070826 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067882 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071819 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070828 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074063 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070829 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070830 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075249 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071807 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068731 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068742 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071818 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074064 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074054 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067883 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074061 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071814 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074056 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071817 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074068 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075251 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075252 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070836 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 1 | 1 | 1 |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070838 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068743 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 4 | 4 | U.S. Citizen | U.S. Citizen | U.S. Citizen | U.S. Citizen | 1 | 1 | 0 | 0 | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071811 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074057 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074058 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070831 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074055 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070842 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071810 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074059 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075253 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074060 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075254 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070839 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074066 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071812 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075261 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075255 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074062 | Non-QM 30 Year Fixed Bank Statement Investment/ Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070840 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070832 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071813 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075262 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2074067 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070833 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075256 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2068744 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075257 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2071816 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070835 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075259 | Non-QM 30 Year Fixed Bank Statement / Flex Income E39 | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2075263 | Non-QM 30 Year Fixed Bank Statement (Full Doc) / Flex Income E39 | Full Documentation | 0 | 24 months or more income verification |  |  |  | 4 | 4 | U.S. Citizen | U.S. Citizen | U.S. Citizen | U.S. Citizen | 1 | 1 | 1 | 1 | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.06 Schedule 8**

---

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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 2067841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | 0.996 |  | 25126.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067841-01 |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Short Term Rental |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-02 |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Short Term Rental |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-03 |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Short Term Rental |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-04 |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Short Term Rental |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-05 |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Short Term Rental |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2067841-06 |  |  |  |  |  |  |  |  | 1 | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Short Term Rental |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2065420 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.509 | Market Survey | 2684.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2056363 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.178 | Market Survey | 1319.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2065421 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.109 | Lease | 811.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070879 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.028 | Lease | 924.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071882 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.401 | Market Survey | 910.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2073373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.003 | Market Survey | 5981.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071880 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.103 | Lease | 1087.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2073374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.099 | Market Survey | 1228.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.999 | Market Survey | 825.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070884 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.889 |  | 2175.3225 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070884-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2070884-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066991 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.056 | Market Survey | 1875.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066987 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.058 | Market Survey | 1190.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066992 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.06 | Market Survey | 1887.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066989 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.007 | Market Survey | 1966.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066990 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.328 | Lease | 1340.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066993 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.027 | Lease | 1753.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.153 | Short Term Rental | 2504.7645 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070882 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.521 | Lease | 2959.2475 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070885 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 2.117 | Lease | 803.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070883 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.44 | Lease | 1555.8917 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066948 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.902 | Market Survey | 4591.6958 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066986 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.035 | Market Survey | 1932.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066988 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.326 | Market Survey | 1696.49 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066950 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 2.327 | Multiple Sources | 1289.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066952 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.581 |  | 6228.1097 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066952-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-03 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-04 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-05 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-06 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-07 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066952-08 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066953 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.15 | Market Survey | 1339.1267 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066954 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.276 | Lease | 2194.2375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066955 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.194 | Market Survey | 1382.4667 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066956 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.165 |  | 5831.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066956-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066956-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2053633 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.279 | Lease | 1446.92 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066957 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.441 | Market Survey | 2498.925 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066958 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | 1.424 | Market Survey | 1720.7991 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066959 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.406 |  | 3371.4367 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066959-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2066959-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696189 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  | 0.85 | Lease | 2880.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1710570 | Non-QM Verified | N/A |  | 1 | 0 |  | 1 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 0 | 1 | 1 | 0 |  |  | 22 |  |  |  |  |  |  |  |  |  |  | 30323.83 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1928768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | 4900 |  |  |  | 1.134 | Lease | 3795.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064250 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | 2350 |  |  |  | 1.2 | Market Survey | 1959.11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061171 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 10 | Business Expense Ratio Statement |  |  |  |  | 11300.39 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2067916 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | 73868.4 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064251 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 30 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | 3008.7 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071903 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | 8990 |  |  |  | 1.432 | Lease | 5933.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067913 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | 3000 |  |  |  | 0.781 | Market Survey | 3842.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071905 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | 4519 |  |  |  | 1.45 | Market Survey | 3115.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071906 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | 10350 |  |  |  | 1.194 | Lease | 8666.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071907 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | 4500 |  |  |  | 1.758 | Lease | 2507.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071908 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 4500 |  |  |  | 1.526 | Lease | 2827.27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061145 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 20 | Standard Ratio per Guidelines |  |  |  |  | 9673.28 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071910 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | 5400 |  |  |  | 1.114 | Lease | 4646.86 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071909 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 7250 |  |  |  | 1.932 | Market Survey | 3753.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071911 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | 13600 |  |  |  | 2.172 | Market Survey | 6261.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067911 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 2 | 2 | XXXX |  | 12600 | 10 | Business Expense Ratio Statement |  |  | Market Survey |  | 35200.68 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067915 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | 1900 |  |  |  | 2.168 | Market Survey | 876.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071912 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | 4500 |  |  |  | 1.533 | Lease | 2658.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2057278 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 5129.86 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 4 |  |  |  |  |  |  |  |  |
| XXXX | 2067912 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 22580 |  |  |  |  | Short Term Rental |  | 26681.89 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 32 | 0 | 0 | 2 |
| XXXX | 2071913 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 1300 |  |  |  | 1.775 | Market Survey | 732.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071916 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | 12400 |  |  |  | 2.547 | Lease | 3863.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059466 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 1350 |  |  |  | 1.029 | Lease | 1312.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071672 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 2600 |  |  |  | 1.014 | Lease | 2514.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071671 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 2600 |  |  |  | 1.007 | Lease | 2531.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071670 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 2600 |  |  |  | 1.036 | Market Survey | 2509.82 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071669 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 2500 |  |  |  | 1.004 | Lease | 2440.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059462 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | 1950 |  |  |  | 1.036 | Market Survey | 1882.86 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2066919 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | 1885 |  |  |  | 1.051 | Market Survey | 1793.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | NM | 0 | 0 | XXXX | XXXX | 2340 |  |  |  | 0.83 | Market Survey | 2818.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059465 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX |  | 4100 |  |  |  | 1.004 | Market Survey | 4084.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059467 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | WI | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.253 | Market Survey | 1755.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | 10450 |  |  |  | 1.106 | Lease | 9947.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059463 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | 1860 |  |  |  | 1.067 | Lease | 1663.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2066918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | 3350 |  |  |  | 1.23 | Market Survey | 2724.43 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059464 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | NC | 0 | 0 | XXXX |  | 4000 |  |  |  | 1.011 | Market Survey | 3955.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2073360 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | 3300 |  |  |  | 1.003 | Lease | 3161.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2073416 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  | 92887.52 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 7 |  |  |  |  |  |  |  |  |
| XXXX | 2065696 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 26050.01 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2067878 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | 2850 |  |  |  | 1.332 | Lease | 2139.94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059468 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | 2050 |  |  |  | 0.859 | Market Survey | 2387.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071809 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 6 |  | XXXX |  | 4300 |  |  |  |  | Market Survey |  | 4748.95 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059471 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 21 | 21 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 35330.37 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061120 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 9092 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065698 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 7525 |  |  |  | 1 | Short Term Rental | 5638.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059474 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 46574.6 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065695 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 3450 |  |  |  | 1.064 | Market Survey | 3243.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059479 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 9 |  |  |  |  |  |  |  |  |  | 21648.22 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 3 |
| XXXX | 2061111 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 17984.94 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061109 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | 4750 |  |  |  | 1.019 | Market Survey | 4660.15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062542 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | 1950 |  |  |  | 1.369 | Market Survey | 1424.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061254 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 2 |  |  |  | 0 | Standard Ratio per Guidelines |  |  |  |  | 19195.86 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2050501 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 25 | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 14870.75 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062547 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 4 | 9 | XXXX | XXXX |  | 25 | Standard Ratio per Guidelines |  |  | Lease |  | 47223.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059469 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 1750 |  |  |  | 1.195 | Lease | 1254.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061112 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 3 |  | XXXX | XXXX | 2200 | 50 | Profit and Loss Statement |  |  | Market Survey |  | 10689.62 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062543 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 28 |  |  |  |  | 17 | Business Expense Ratio Statement |  |  |  |  | 4457.69 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059470 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 3200 |  |  |  | 1.582 | Lease | 2022.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059473 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 5000 |  |  |  | 1.235 | Lease | 3247.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068723 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 15976.94 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061115 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 77930.17 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059472 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 6350 |  |  |  | 1.162 | Lease | 4992.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059490 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 1600 |  |  |  | 1.226 | Lease | 1142.27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061110 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 38 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 6282.36 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2051358 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 16082.38 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061255 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 22568.59 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059475 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 3250 |  |  |  | 1.149 | Market Survey | 2828.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062544 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2500 |  |  |  | 1.018 | Market Survey | 2455.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068733 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2000 |  |  |  | 1.094 | Market Survey | 1828.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059476 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 8300 |  |  |  | 1.567 | Lease | 4594.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2067873 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 5 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 8084.96 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062545 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 3628.64 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067874 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 3200 |  |  |  | 1.217 | Lease | 2176.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067875 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 3200 |  |  |  | 1.107 | Lease | 2191.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067876 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 3200 |  |  |  | 1.272 | Lease | 2177.53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067877 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | 3200 |  |  |  | 1.283 | Lease | 2142.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059477 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 28 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 12806.22 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061117 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 2 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 21251.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059478 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | 3100 |  |  |  | 1.665 | Market Survey | 1862.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059488 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 15 | Business Expense Ratio Statement |  |  |  |  | 16937.06 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059480 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | 2850 |  |  |  | 0.751 | Market Survey | 3796.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064467 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 24543.12 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059481 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 1750 |  |  |  | 1 | Lease | 1749.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059485 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1670 |  |  |  | 1.143 | Market Survey | 1461.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059482 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | 3700 |  |  |  | 1.356 | Market Survey | 2727.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061256 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1625 |  |  |  | 1.344 | Market Survey | 1208.98 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065700 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | 6800 |  |  |  | 1.91 | Market Survey | 3560.32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2068741 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 29138.48 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062546 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 12303.82 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |
| XXXX | 2059484 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 6 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 22889.13 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2059483 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 9 | 0 |  |  |  |  |  |  |  |  |  | 16811 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 |
| XXXX | 2059487 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 35148.79 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2064468 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 |  |  | 1450 |  |  |  |  |  |  | 9015.79 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061262 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 3800 |  |  |  | 1.032 | Short Term Rental | 3286.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061258 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 25490.71 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068724 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Personal | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 22101.75 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061257 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 24765.62 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061113 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MS | 0 | 0 | XXXX |  | 1500 |  |  |  | 1.071 | Market Survey | 1400.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067881 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 48 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 13972.12 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059486 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 38909.52 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061259 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 359346.5 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059489 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | 3400 |  |  |  | 1.083 | Market Survey | 3140.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061260 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 4300 |  |  |  | 1.387 | Market Survey | 3101.32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061261 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 3200 |  |  |  | 1.002 | Market Survey | 3194.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062548 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 21143.47 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070827 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 3600 |  |  |  | 1.213 | Lease | 2798.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061114 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 28134.13 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074049 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 30204.88 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061265 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 27191.75 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2064469 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 2450 |  |  |  | 1.709 | Lease | 1433.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 8048 |  |  |  | 1.005 | Market Survey | 6005.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061123 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | 2800 |  |  |  | 1.117 | Market Survey | 2507.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062552 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 172405.07 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075260 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | 4740 |  |  |  | 1.324 | Market Survey | 3581.39 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061263 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 93619.14 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062559 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2300 |  |  |  | 1.123 | Market Survey | 2047.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | 2300 |  |  |  | 1.027 | Lease | 2238.77 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061116 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 32 | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 27040.3 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062549 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | 4000 |  |  |  | 1.094 | Market Survey | 3657.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062558 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | 3250 |  |  |  | 1.004 | Lease | 2789.41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061121 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 14 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 40440.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061264 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 12 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 15030.44 | 0 | 12 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062550 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2350 |  |  |  | 1.128 | Market Survey | 2082.49 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062555 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | 15500 |  |  |  | 1.051 | Market Survey | 14749.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2065697 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 9110.95 | 0 | 0 | 0 | 0 | 30 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 30 | 0 | 0 | 2 |
| XXXX | 2068740 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10190 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2059491 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  |  |  |  |  |  |  | 6618.98 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2062551 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2450 |  |  |  | 1.175 | Market Survey | 2084.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061122 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | 2750 |  |  |  | 1.004 | Market Survey | 2738.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064470 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 8040.78 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062556 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 35 | Business Expense Ratio Statement |  |  |  |  | 16688.43 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075248 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 5975.21 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2061118 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 20579.31 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2061119 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 12154.99 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 10 | 0 | 0 | 3 |
| XXXX | 2062557 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 2550 |  |  |  | 1.03 | Market Survey | 2474.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065704 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 5920.03 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070820 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 5277.69 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065707 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  | NJ | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 24929.21 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075250 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 18 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 17882.56 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 34 | 0 |  |  |  |  |  |  |  |  |  | 5900.83 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 |
| XXXX | 2068729 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 9 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 245759.87 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070822 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 9400 |  |  |  | 1.056 | Market Survey | 8901.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2064471 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2475 |  |  |  | 1.319 | Market Survey | 1876.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2064475 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 6 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 35741.84 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064476 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 6 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 35816.7 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2068726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2000 |  |  |  | 1.029 | Market Survey | 1944.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065706 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 6 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 33548.84 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070818 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 12722.14 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062560 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 3 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 292713.64 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070819 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | 50 | Business Expense Ratio Statement |  |  |  |  | 10954.87 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30 | 0 | 0 | 3 |
| XXXX | 2065699 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 21455.82 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070837 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11205.42 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 31 | 0 | 0 | 3 |
| XXXX | 2074051 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 1 | 0 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 8461.46 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067879 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 14428.06 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062553 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 45 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 11819.55 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2062554 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 7702.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | 2300 |  |  |  | 1.414 | Market Survey | 1626.63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2065701 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 6945.4 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068735 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 122360.03 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067880 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 108658.27 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065702 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 4 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 33045.68 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070821 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11446.83 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068727 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 39783.44 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074065 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 3200 |  |  |  | 1.013 | Lease | 2961.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071808 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 1300 |  |  |  | 1.095 | Lease | 1496.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068728 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 0 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 20386.16 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2075247 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | 1650 |  |  |  | 1.351 | Market Survey | 1221.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064472 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | 2354.67 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2064473 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 4322.31 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070824 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 11893.89 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071806 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 13918.69 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2068732 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 21819.13 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2068736 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 48 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 5644.12 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068730 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 8125.59 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074052 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10409.32 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070823 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | 3600 |  |  |  | 1.17 | Lease | 3033.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070825 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 27077.21 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071815 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 20 | Business Expense Ratio Statement |  |  |  |  | 9534.33 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070834 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 52566.01 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065703 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 12440.61 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |
| XXXX | 2068738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | 3900 |  |  |  | 1.363 | Lease | 2567.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2074050 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2550 |  |  |  | 1.813 | Market Survey | 1406.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2065705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2025 |  |  |  | 1.029 | Market Survey | 1967.48 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074053 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | 2850 |  |  |  | 1.084 | Market Survey | 2628.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2064474 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 20278.96 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070826 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | 3600 |  |  |  | 1.195 | Lease | 2970.97 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2067882 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10380.54 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071819 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 10 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 13799.34 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1800 |  |  |  | 1.218 | Market Survey | 1478.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074063 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | 2200 |  |  |  | 0.937 | Market Survey | 2347.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070829 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 14081.52 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070830 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 22 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 7750.04 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075249 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 24613.59 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071807 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 37119.21 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068731 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 10004.48 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068742 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 9504.04 | 0 | 12 | 1 | 0 | 0 | 0 | 0 | 5 |  |  |  |  |  |  |  |  |
| XXXX | 2071818 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 71087.69 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074064 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11771.99 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074054 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 16877.7 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2067883 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 20492.07 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074061 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 19 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 46848.41 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071814 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 1 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 30336.1 | 0 | 12 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2074056 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | 30 | Business Expense Ratio Statement |  |  |  |  | 28061.81 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071817 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 65030.18 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074068 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 68651.56 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075251 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 17869.11 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075252 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 58322.06 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070836 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 7 |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 20007.48 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 3 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070838 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | 15 | Standard Ratio per Guidelines |  |  |  |  | 13110.59 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068743 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  |  | 21611.55 | 0 | 0 | 2 | 0 | 30 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 30 | 0 | 0 | 2 |
| XXXX | 2071811 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 24 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 10012.66 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074057 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 20 |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 16938.22 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2074058 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 30 | 30 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 37831.17 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070831 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 0 |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 13746.03 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2074055 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.283 | Market Survey | 1714.44 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070842 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 4210.31 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071810 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 31666.16 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074059 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 25 | 0 |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 5682.02 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |
| XXXX | 2075253 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 43901.01 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074060 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 1500 |  |  |  | 1.001 | Market Survey | 1499.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075254 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 18 | 0 |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 11445.71 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070839 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | 6500 |  |  |  | 1.062 | Lease | 5178.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2074066 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 2618.03 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071812 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX |  | 2100 |  |  |  | 1.002 | Market Survey | 2096.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2075261 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | 3800 |  |  |  | 2.734 | Market Survey | 1389.76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2075255 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | 5000 |  |  |  | 1.482 | Market Survey | 3374.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2074062 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 84873.38 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070840 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | 3000 |  |  |  | 1.129 | Lease | 2597.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2070832 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | 2450 |  |  |  | 1.434 | Lease | 1307.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2071813 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 9135.12 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075262 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | 4500 |  |  |  | 1.069 | Market Survey | 4210.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2074067 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 37255.57 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070833 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 21701.08 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075256 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | 25 | Standard Ratio per Guidelines |  |  |  |  | 7575.38 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2068744 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | 2300 |  |  |  | 1.013 | Market Survey | 2269.9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2075257 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 16123.48 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2071816 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | 80 | Standard Ratio per Guidelines |  |  |  |  | 21172.44 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2070835 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 50 | Standard Ratio per Guidelines |  |  |  |  | 14943.04 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075259 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | 30 | Standard Ratio per Guidelines |  |  |  |  | 24950.79 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2075263 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  |  |  |  |  |  |  | 21569.07 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07**

![](ex9907001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

Executive Summary <br> EFMT 2025-NQM5<br>Dated: October 6, 2025 <br>

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 208 loans, including 131 Residential and 77 Business Purpose Loans totaling an aggregate original principal balance of approximately $114,360,193.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings Inc and Kroll Bond Rating Agency, LLC (KBRA), the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 1 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

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

*Credit Application*

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

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

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

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 2 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Property Income*

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

*Employment and Income:* 

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

*Valuation Review*

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

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

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

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 3 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

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

*Insurance*

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

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 4 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;126 | &nbsp;&nbsp;60.58% | &nbsp;&nbsp;126 | &nbsp;&nbsp;60.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.40% | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;77 | &nbsp;&nbsp;37.02% | &nbsp;&nbsp;77 | &nbsp;&nbsp;37.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;46.63% | &nbsp;&nbsp;97 | &nbsp;&nbsp;46.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;111 | &nbsp;&nbsp;53.37% | &nbsp;&nbsp;111 | &nbsp;&nbsp;53.37% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;200 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;199 | &nbsp;&nbsp;95.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 5 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;90 | &nbsp;&nbsp;43.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;117 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;118 | &nbsp;&nbsp;56.73% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**208** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;208 | &nbsp;&nbsp;5.77% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;13 | &nbsp;&nbsp;208 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;143 | &nbsp;&nbsp;208 | &nbsp;&nbsp;68.75% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;208 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;21 | &nbsp;&nbsp;208 | &nbsp;&nbsp;10.10% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;208 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;2 | &nbsp;&nbsp;208 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;208 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;20 | &nbsp;&nbsp;208 | &nbsp;&nbsp;9.62% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;208 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;208 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;19 | &nbsp;&nbsp;208 | &nbsp;&nbsp;9.13% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;208 | &nbsp;&nbsp;2.88% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;4 | &nbsp;&nbsp;208 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;208 | &nbsp;&nbsp;4.81% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;63 | &nbsp;&nbsp;208 | &nbsp;&nbsp;30.29% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;20 | &nbsp;&nbsp;208 | &nbsp;&nbsp;9.62% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;208 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;23 | &nbsp;&nbsp;208 | &nbsp;&nbsp;11.06% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;208 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;50 | &nbsp;&nbsp;208 | &nbsp;&nbsp;24.04% |

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**APPENDIX A**

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

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

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

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

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**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right
 of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
 disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of
 application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 16 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

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

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential  | 17 \| P a g e |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 1**

---

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| ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** | **Run Date - 10/10/2025 8:38:19 AM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1676210 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676171 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676172 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676173 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676175 | XXXX | XXXX | XXXX | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676176 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | B | A | B | B | B | B | A | B | B | B |
| 1676177 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676179 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676181 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676182 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676184 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676186 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676189 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676190 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676191 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676192 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1429315 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1431755 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675022 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1631545 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676000 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675323 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675025 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675026 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1671982 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1675027 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671773 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675030 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675031 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675287 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671943 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675033 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675034 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1674650 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675035 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1672403 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671752 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1672359 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674064 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1672126 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675036 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1672127 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675037 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1671756 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671842 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674436 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671777 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671791 | XXXX | XXXX | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1675038 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1674069 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1672078 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671954 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671917 | XXXX | XXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675041 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675042 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671758 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671778 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671950 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675043 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 1675044 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675046 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1673981 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671955 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 1675047 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675050 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676001 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1671843 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675051 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1671918 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671761 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675052 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675053 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675054 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675057 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675058 | XXXX | XXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1673880 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671919 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1672195 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674076 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1671789 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675061 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676002 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675063 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675746 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1674080 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1672129 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1671775 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674758 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674081 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676003 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 1674084 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675065 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675066 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1674085 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675068 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675069 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675070 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674087 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676251 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675072 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675073 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1672406 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675074 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674090 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676055 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675076 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675078 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1674365 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674093 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674969 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675138 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674095 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675290 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676004 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675080 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | B | B | B | B | B | B | B | B | B | B |
| 1675082 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675083 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675084 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676005 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675800 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676006 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674261 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675294 | XXXX | XXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1674103 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675086 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 1676204 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675088 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674106 | XXXX | XXXX | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 1675091 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675303 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675092 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1674366 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675198 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675095 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674220 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676007 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676169 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675527 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675096 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675097 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676008 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676009 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675231 | XXXX | XXXX | XXXX | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676010 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1675098 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675297 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674108 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675099 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675513 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675100 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | D | D | D | D | D | D | D | D | D | D | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676011 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676150 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675101 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676012 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675102 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676013 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1674652 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675115 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675104 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676014 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675105 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675106 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676015 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676016 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676017 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676018 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676019 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675108 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676020 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 1676021 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676022 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676125 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676023 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676024 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1675110 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676025 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675111 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676026 | XXXX | XXXX | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1675116 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676027 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676028 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676029 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676153 | XXXX | XXXX | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676030 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676031 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676032 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676033 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1676034 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676035 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676250 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676124 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 1675112 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676036 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676037 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676038 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676039 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1675113 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676040 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676041 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | B | B | B | B | B | B | B | B | B | B |
| 1676042 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676043 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676044 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676045 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1676046 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676047 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676048 | XXXX | XXXX | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1676049 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1676050 | XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 2**

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| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1429315 | XXXX | XXXX | 6939006 | 431 | XXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Asset XXXX(s) missing. XXX the XXXX XXXX, there is an asset account (XXXX XXXX #XXXX) with a balance of $XX,XXX.XX. XXXX statements from this account are missing. | received |  |  | 09/08/2022 |  |  | A | 1 | XXXX | TX | 3 | 3 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1429315 | XXXX | XXXX | 6942008 | 423 | XXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Appraisal reflects subject is XXXX XXXX, does not meet XXXX requirements. | received |  |  | 09/08/2022 |  |  | A | 1 | XXXX | TX | 3 | 3 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1431755 | XXXX | XXXX | 6950899 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Total P | XXXX statement dated X/XX/XXXX received suports reserves required |  |  | 11/07/2022 |  |  | A | 1 | XXXX | OH | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1671756 | XXXX | XXXX | 7151977 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX voe is missing. XX voe must be obtained within XXX calendar days prior to the note date for self-employed borrowers. | Received XXXX |  |  | 08/07/2025 |  |  | A | 1 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1671756 | XXXX | XXXX | 7151978 | 378 | XXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXX XXXX needs to be updated to reflect the correct deposits used to qualify. XXXX correct deposits should be XXXX account ending in XXXX dated XXXX XXXX account ending in XXXX dated XXXX and XXXX account ending in XXXX dated XXXX | Received XXXX XXXX |  |  | 08/07/2025 |  |  | A | 1 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1671756 | XXXX | XXXX | 7151979 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX shock should be limited to XXXX not to exceed XXXX XXXX XXXXX shock is over XXXX |  | Compensating XXXX XXXX fico score which is more than the minimum requirement, good assets, not a credit abuser and all debt paid as agreed. |  |  |  | 08/07/2025 | B | 2 | XXXX | TX | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1671775 | XXXX | XXXX | 7152104 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX require XXX XXXX approval |  | Compensating XXXX XXXX has XXXX in reserves after closing. XXXX on current mortgage since opening XXXX XXXX XXXX income of XXXX which is actually higher but XXXX is being hit for full current primary mortgage expense though is a pending sale. |  |  |  | 08/11/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1671775 | XXXX | XXXX | 7152105 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is required to be full time self employed for XXXX years. XXXX have not been full time XXXX years but have been part time @= years. |  | Compensating XXXX XXXX has XXXX in reserves after closing. XXXX on current mortgage since opening XXXX XXXX XXXX income of XXXX which is actually higher but XXXX is being hit for full current primary mortgage expense though is a pending sale. |  |  |  | 08/11/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1671775 | XXXX | XXXX | 7152106 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX independent proof to show XXXX owns XXXX of business. | An employer verification letter that was provided indicating the borrower is the one with a contract getting paid as an XXXX. XXX is not the XXXX being referenced in the letter. XXXX XXXX is just where borrower chooses to get her income deposited, for which the have the articles showing no other person involved with the business. |  | Client 08/12/2025 11:59 AM; Hi, we have a employer verification letter that was proc-certed indicating our borrower is the one with a contract getting paid as an XXXX. XXX is not the XXXX being referenced in the letter, it is the borrower, so we have verification our borrower is the one self-employed here. XXXX XXXX is just where borrower chooses to get her income deposited, for which we have the articles showing no other person involved with the business.<br>Reviewer 08/12/2025 12:37 PM; Condition has been reviewed. XXX<br>| 08/12/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1671777 | XXXX | XXXX | 7152083 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX appraisal states the subject is a XX bathroom property on page XXXX it is a XX bathroom property | RECEIVED XXXX XXX |  |  | 08/12/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1671778 | XXXX | XXXX | 7152086 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX verbal voe must be obtained within XXX business days prior to the note date. XXXX is a XXXX party voe dated XXXX and note date is XXXX XXXX updated voe. | Received XXX day XXXX |  |  | 08/11/2025 |  |  | A | 1 | XXXX | NH | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1671789 | XXXX | XXXX | 7152143 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower has been self-employed less than XX years. XXXX requires XX years and the borrower has been XXXX XX year. |  | The exception for being self-employed less than XX years was granted with the following compensating factors: XXXX XXXX solid credit and over XX million in assets. XXXX is XXXX |  |  |  | 08/10/2025 | B | 2 | XXXX | AZ | 2 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1671791 | XXXX | XXXX | 7159713 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/07/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | B | D | B | C | B | A | A |  | Non-QM | 1 |
| 1671791 | XXXX | XXXX | 7159714 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX is missing the borrowers name and loan amount. | Received revised title |  | Reviewer 08/08/2025 10:11 AM; the document received did not include the loan amount<br>| 08/08/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | B | D | B | C | B | A | A |  | Non-QM | 1 |
| 1671791 | XXXX | XXXX | 7159715 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX active tradelines are required and fico score is needed. XXXX XXXX XXXX XX active tradeline and co-borrower does not have a fico score. |  | Compensating XXXX fico score, which is more than minimum requirement, good credit, current home is owned free and clear, low ltv and over XXXX equity on subject property. |  |  |  | 08/07/2025 | B | 2 | XXXX | CA | 1 | 1 | D | B | D | B | C | B | A | A |  | Non-QM | 1 |
| 1671843 | XXXX | XXXX | 7152227 | 1018 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | XXXX is missing business verification from XXXX of XXXX for XXXX XXXX XXXX XXXX XXXX | Received XXX XXX |  |  | 08/11/2025 |  |  | A | 1 | XXXX | CO | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1671917 | XXXX | XXXX | 7152387 | 875 | XXXX | Compliance | Disclosure |  | Disclosure - Other: |  | XXXX XXXX XXXX or XXXX of XXXX is missing in the file. | Information provided |  |  | 08/12/2025 |  |  | A | 1 | XXXX | AL | 2 | 1 | C | A | A | A | C | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671918 | XXXX | XXXX | 7152389 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/11/2025 |  |  | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1671919 | XXXX | XXXX | 7152391 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/12/2025 |  |  | A | 1 | XXXX | CO | 1 | 1 | A | A | A | A | A | A | A | A |  | Non-QM | 1 |
| 1671950 | XXXX | XXXX | 7154779 | 90 | XXXX | Credit | Credit Report |  | Credit Report - is missing |  | XXXX XXXX is missing for XXXX XXXX XXXX XXXX | Information provided |  | Client 08/11/2025 10:34 AM; Hi, there is no bridge loan on this file. XXXX<br>Reviewer 08/11/2025 10:51 AM; <br>Reviewer 08/11/2025 12:30 PM; Thank you!<br>| 08/11/2025 |  |  | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1671950 | XXXX | XXXX | 7154780 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report and final bridge XXX are missing from the loan file. XXXX credit review is on hold until documents are received. |  |  |  | 08/11/2025 |  |  | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1671950 | XXXX | XXXX | 7154782 | 433 | XXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | XXXX assets of at least XXXX are needed as the loan lacks sufficient funds for closing and required reserves. XXXX total funds needed amount to XXXX which includes XXXX for cash to close as per the XXX and XXXX for six months of reserves. XXXX available funds for closing and reserves total XXXX consisting of XXXX in XXXX XXXX XXXX in XXXX XXXX and XXXX in XXXX XXXX XXXX leaves the loan short by XXXX XXXXX - XXXXX | Bridge XXX reflecting XXXX to borrower was provided. |  | Client 08/21/2025 05:35 PM; Providing additional clarity on this one. XX bridge was completed for this loan, bridge cd has been uploaded to file. XXXX for the confusion here. XXXX you.<br>Reviewer 08/21/2025 06:33 PM; Condition has been reviewed. XXX<br>| 08/21/2025 |  |  | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1671954 | XXXX | XXXX | 7152517 | 90 | XXXX | Credit | Credit Report |  | Credit Report - is missing |  | XXXX XXXX is missing for XXXX XXXX XXXX | Documents received |  |  | 08/12/2025 |  |  | A | 1 | XXXX | NM | 2 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671954 | XXXX | XXXX | 7152518 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/12/2025 |  |  | A | 1 | XXXX | NM | 2 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671954 | XXXX | XXXX | 7152519 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX seasoning les than XX yr requires senior management approval. XXXX XXXX XXXX seasoning, property purchased for XXXX on XXXX XXXX file at XXXX XXXX using purchase XXXX, XXXX value XXXX |  | Compensating factors: XXXX XXXX below maximum allowed of XXXX for XXXX XX XXXX out refinance, XXXX in residual income well above the minimum requirement of XXXX for a XX person household, XXXX stability with XXX on job XXXX years and XXX XX years on job, XXX months reserve well above minimum requirement of XX months reserve. |  |  |  | 08/13/2025 | B | 2 | XXXX | NM | 2 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671955 | XXXX | XXXX | 7152521 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX properties require XXXX XXXX XXXX XXXX XXXX XXXX for rural property with XXXX acres provided. |  | Compensating factors: XXXX XXXX XXXX above the minimum XXXX requirement of XXXX XXXX income of XXXX above the minimum requirement of XXXX XXX year credit depth paid as agreed. XXXX mortgages paid as agreed. |  |  |  | 08/14/2025 | B | 2 | XXXX | CO | 2 | 1 | C | B | A | A | A | A | C | B |  | Safe Harbor QM (APOR) | 1 |
| 1671955 | XXXX | XXXX | 7152522 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX located in a declining market require XXXX XXXX XXXX XXXX XXXX XXXX provided in file. |  | Compensating factors: XXXX XXXX XXXX above the minimum XXXX requirement of XXXX XXXX income of XXXX above the minimum requirement of XXXX XXX year credit depth paid as agreed. XXXX mortgages paid as agreed. |  |  |  | 08/14/2025 | B | 2 | XXXX | CO | 2 | 1 | C | B | A | A | A | A | C | B |  | Safe Harbor QM (APOR) | 1 |
| 1671982 | XXXX | XXXX | 7152793 | 899 | XXXX | Compliance | Compliance |  | Compliance - Finance Charge is Understated by more than $100 |  | XXXX charge understated XXXX (appears incorrect loan terms were used in the calculations- please note XXXX test also shows finance charge fail) XXXX provide evidence of refund to borrower along with XXXX and XXXX reflecting refund. |  | after review by legal, reference XXXX XXXX bona fide computer calculation error. XXXX discovery of error and cause, lender redisclosed, and reopened rescission | Client 07/15/2025 04:03 PM; Requesting additional clarification regarding this finding. XXXX what the refund amount is and where you are getting your numbers. XXXX you. <br>Reviewer 07/15/2025 04:37 PM; <br>Reviewer 07/16/2025 01:09 PM; Hello <br> XXXX refund amount is XXXX this is due to incorrect loan terms used to calculate the finance charge. XXXX please note that the lenders compliance test also shows this fail. <br>XXXX<br>Client 07/22/2025 11:11 AM; Please provide supporting evidence as to your conclusions. XXXX was for only XXXX XXXX finance charge estimated on the loan was XXXX XXXX finding asserts the finance charge was understated XXXXX XXXX also indicated that they are calculating the potential interest over a XXXX term; but that is interest that hasn't been collected and is therefore not due for refund. XXXX you. <br>Reviewer 07/22/2025 11:25 AM; <br>Reviewer 07/22/2025 02:44 PM; Hello <br> XXXX note that the lender test in file also reflects the same finance charge violation. XXXX loan closed as a XXXX fixed. XXXX provide lenders passing compliance test for further review. XXX is findings are valid and test has been uploaded for your review. <br>XXXX<br>Reviewer 07/23/2025 09:06 AM; CD provided is not for this property<br>Reviewer 07/23/2025 09:06 AM; CD provided is not for this property<br>Client 07/24/2025 01:10 PM; In lieu of a refund, we will reopen recission and issue a corrected XXXX XXXX XXXX accept this solution, and if so, how would you rate the loan? XXXX you, please let me know what you think. <br>Reviewer 07/24/2025 01:15 PM; <br>Reviewer 07/24/2025 02:56 PM; Hello <br> XXXX would not accept this. XXX the finance charge is under disclosed, redisclosing, and reopening recission alone is not adequate restitution under XXXX<br>XXXX<br>Reviewer 07/28/2025 09:48 AM; PCCD will not clear this def. XXXX XXXX closed incorrectly with an understated finance charge. XXXX remains open<br>Reviewer 07/29/2025 03:09 PM; documentation provided has already been provided and will not clear deficiency. XXX the finance charge is under disclosed, redisclosing, and reopening recission alone is not adequate restitution under XXXX<br>Client 07/29/2025 05:30 PM; Hi, uploaded compliance report that shows passing. XXX addition to the XXXX re-opening rescission, and XXXX all correct finance charges have been disclosed per XXXX legal team. XXXX clear the finding.<br>Reviewer 07/29/2025 07:03 PM; <br>Reviewer 07/30/2025 02:18 PM; XXXX XXXX would not accept this. XXX the finance charge is under disclosed, redisclosing, and reopening recission alone is not adequate restitution under XXXX XXXX<br>Reviewer 07/30/2025 02:18 PM; XXXX XXXX would not accept this. XXX the finance charge is under disclosed, redisclosing, and reopening recission alone is not adequate restitution under XXXX XXXX<br>Client 07/30/2025 03:14 PM; Hi, please identify the provisions of XXXX relied upon for XXXX conclusions. XXXX auditor's comment XXXX request for passing compliance test has been satisfied.<br>Reviewer 07/30/2025 03:37 PM; <br>Reviewer 07/31/2025 03:32 PM; Escalation has been assigned for XXXX XXXX<br>Reviewer 08/04/2025 12:23 PM; Hello <br> XXXX this out of escalations, there is an email string for this one. <br>XXXX<br>|  |  | 08/15/2025 | B | 2 | XXXX | AL | 1 | 13 | C | B | C | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671982 | XXXX | XXXX | 7152794 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXX to provide XXXX regarding occupancy as required per loan approval. XXXX is relocating from XXXX to XXX for employment and subject is currently listed for sale/pending sale. | Received XXX |  |  | 07/22/2025 |  |  | A | 1 | XXXX | AL | 1 | 13 | C | B | C | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671982 | XXXX | XXXX | 7152797 | 357 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXX is ineligible as a cash out refinance as subject property is currently listed for sale per the appraisal and pending sale per final XXXX | Received XXX XXXX approval to treat subject as primary and home in XXXX as XXXX home while borrower waits on relocation orders from XXXX comp XXXX - XXXX XXXX XXXX XXXX residual XXXX reserves XXXX |  |  | 07/22/2025 |  |  | A | 1 | XXXX | AL | 1 | 13 | C | B | C | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1672078 | XXXX | XXXX | 7159719 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Document received |  |  | 08/15/2025 |  |  | A | 1 | XXXX | AZ | 1 | 1 | A | A | A | A | A | A | A | A |  | Non-QM | 1 |
| 1672129 | XXXX | XXXX | 7152854 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX XXXX appraisal is missing from the loan file. XXXX credit review is on hold until documents are received. | Document received |  |  | 08/15/2025 |  |  | A | 1 | XXXX | NV | 1 | 1 | A | A | A | A | A | A | A | A |  | Non-QM | 1 |
| 1672195 | XXXX | XXXX | 7152920 | 90 | XXXX | Credit | Credit Report |  | Credit Report - is missing |  | XXXX XXXX is missing for borrower XXXX XXXX | Information provided |  |  | 08/14/2025 |  |  | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1672195 | XXXX | XXXX | 7152921 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/13/2025 |  |  | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1672195 | XXXX | XXXX | 7152922 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX approval needs to be updated to show the correct appraisal value of XXXX | Received approval with XXXX XXXX |  |  | 08/18/2025 |  |  | A | 1 | XXXX | FL | 2 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1672403 | XXXX | XXXX | 7153368 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX XX XXX mo XXXX statement - fixed program requires a minimum of XXX mo self employment. XXXX has XX months. |  | Client XXXX with XXXX XXXX XXXX has XXXX in residual income. XXXX program guidelines requires XXXX XXXX has XXXX mo of XXXX XXXX program guidelines requires XX months. XXXX borrower has a XXXX credit history since oldest credit line from XXXX |  |  |  | 08/18/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1672403 | XXXX | XXXX | 7153369 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX XX XXX mo XXXX statement - fixed program requires a minimum of XXX mo housing payment history. XXXX has XX mo of reviewed mortgage/housing history. XXXX living with parents. |  | Client XXXX with XXXX XXXX XXXX has XXXX in residual income. XXXX program guidelines requires XXXX XXXX has XXXX mo of XXXX XXXX program guidelines requires XX months. XXXX borrower has a XXXX credit history since oldest credit line from XXXX |  |  |  | 08/18/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1673880 | XXXX | XXXX | 7155168 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XX XXXX XXXX is required within XXX days of note date. XXX XXXX XXXX was provided. | Received XXX day XXXX |  |  | 08/27/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1673880 | XXXX | XXXX | 7155169 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX require a maximum payment shock of XXXX XXXX borrower has a payment shock of over XXXX |  | Client waived with compensating factors: XXX recent mortgage history, XXXX on multiple properties; owns XXX properties; XXXX XXXX of XXXX (max XXXX XXXX standing business (over XXX years) |  |  |  | 08/19/2025 | B | 2 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1673981 | XXXX | XXXX | 7155275 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX XXXX insurance as XXXX is not acceptable. | Information provided |  |  | 08/28/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1674064 | XXXX | XXXX | 7155574 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX of XX years self employment, XXX over XXXX in same XXXX business, but new XXXX opened XXXX ago |  | COMPENSATING XXXX XXX XXXX XXXX XXXX XXXX XX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXX XXX |  |  |  | 08/21/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674064 | XXXX | XXXX | 7155575 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX months XXXX XXXX XXXX typically requires full XXX months, XXXX with XXX months XXXX statements divided over XXXX to be conservative |  | COMPENSATING XXXX XXX XXXX XXXX XXXX XXXX XX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXX XXX |  |  |  | 08/21/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674064 | XXXX | XXXX | 7155576 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shcok is XXXX when XXXX is over XXXX payment shock is over XX |  | COMPENSATING XXXX XXX XXXX XXXX XXXX XXXX XX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXX XXX |  |  |  | 08/21/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674069 | XXXX | XXXX | 7155584 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX value is XXXXX XXXX was last sold XXXX for XXXXX XXXX increase in value was due to upgrades. |  | Client XXXX with XXXX XXXX XXXX does not have any derogatory credit with credit depth since XXXX XXXX has been in current profession for XXXX years. XXXX has reserves of XXXX |  |  |  | 08/19/2025 | B | 2 | XXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1674076 | XXXX | XXXX | 7155598 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit reports and final bridge XXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/21/2025 |  |  | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674076 | XXXX | XXXX | 7155600 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX XXXXX XXXX requires XXX months reserves for loans that are over XXXX million. XXXX amount is XXXXX |  | Sr XXXX approval received for low reserves. XXXX XXXX - residual income XXXX XXXX XXXX |  |  |  | 08/26/2025 | B | 2 | XXXX | HI | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674076 | XXXX | XXXX | 7155601 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX XXXX XXXX approval is required for loan amounts over XXXX million. XXXX amount is XXXXX | Received XXX XXXX approval for loan amount |  |  | 08/26/2025 |  |  | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674076 | XXXX | XXXX | 7155602 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX approval needs to be updated to show the property is not in a rural area, both appraisals show it is in a suburban area. |  |  |  | 08/26/2025 |  |  | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674080 | XXXX | XXXX | 7155617 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXX guidelines, a verbal XXXX must be completed within XXX days of the note date. XXX XXXX was in the file. | Received XXX day XXXX |  |  | 08/26/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674081 | XXXX | XXXX | 7155618 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX requires XXX XXXX review and approval, verify acceptable XXXX and acceptable improvements and not declining market |  | COMPENSATING XXXX XXXX waived with XXXX XXXX XXXX XXXX XXXX with max XXXX XXXX XXXX XXXX and XXXX term XXXX of XXXX XXXX homeowner with solid mtg history with paid off mtg current primary owned free and clear. low XXXX XXXX |  |  |  | 08/22/2025 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1674081 | XXXX | XXXX | 7155619 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX XXXX XXXX required, only XX XXXX tradeline currently, XXXX goes back to XXXX |  | COMPENSATING XXXX XXXX waived with XXXX XXXX XXXX XXXX XXXX with max XXXX XXXX XXXX XXXX and XXXX term XXXX of XXXX XXXX homeowner with solid mtg history with paid off mtg current primary owned free and clear. low XXXX XXXX |  |  |  | 08/22/2025 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1674081 | XXXX | XXXX | 7155620 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisal utilized not completed by XXXX approved XXX |  | COMPENSATING XXXX XXXX waived with XXXX XXXX XXXX XXXX XXXX with max XXXX XXXX XXXX XXXX and XXXX term XXXX of XXXX XXXX homeowner with solid mtg history with paid off mtg current primary owned free and clear. low XXXX XXXX |  |  |  | 08/22/2025 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1674081 | XXXX | XXXX | 7155621 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/25/2025 |  |  | A | 1 | XXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1674081 | XXXX | XXXX | 7155622 | 970 | XXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | XXXX XXX is missing on XXXX XXX is provided. | Information provided |  |  | 08/25/2025 |  |  | A | 1 | XXXX | MI | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1674084 | XXXX | XXXX | 7159764 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock is limited to XXXX XXXX payment shock on this loan is XXXX |  | Client XXXX with XXXX XXXX XXXX has current mortgage history of XXX months. XXXX has verified assets of XXXXX XXXX XXXX scores are XXXX and XXXX with XXXX required. |  |  |  | 08/22/2025 | B | 2 | XXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674084 | XXXX | XXXX | 7159765 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX accounts are required on all owner-occupied transactions. XXXX loan was approved without impound/escrows. |  | Client XXXX with XXXX XXXX XXXX has current mortgage history of XXX months. XXXX has verified assets of XXXXX XXXX XXXX scores are XXXX and XXXX with XXXX required. |  |  |  | 08/22/2025 | B | 2 | XXXX | TX | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674087 | XXXX | XXXX | 7155632 | 270 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXXX file is missing the XXXX XXXX report, all loans over XXXX require XX appraisal, under all loan programs. XXXX submit the XXXX XXXX report with all original photos. | Received XXXX appraisal |  |  | 08/20/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674087 | XXXX | XXXX | 7155633 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX shock is over the maximum of XXXX |  | The client granted the exception for the payment shock over the maximum allowed of XXXX with the following compensating factors: XXXX borrower has been in the same line of work for XXX years and with the present employer for XXX years. XXXX borrower has a XXXX XXXX with a previous mortgage that was paid on time XXXX months. XXXX borrowers have over XXX months reserves with XXX as the requirement. |  |  |  | 08/20/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674093 | XXXX | XXXX | 7155638 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX has a XX month deferment primary residence in XXXX XXXX deferment plans greater than XX months are require escalated review. |  | Client XXXX with XXXX XXXX XXXX scores of XXXX where the minimum required is XXXX XXXX XXXX of XXXX where XXXX is the maximum allowed. XXXX residual income of XXXX exceeds the minimum required of XXXX |  |  |  | 08/28/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674093 | XXXX | XXXX | 7155639 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/28/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674095 | XXXX | XXXX | 7155644 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX has been self-employed for less than XX year, minimum of XX years is required. XXXX has prior XXXX history in the same industry. |  | Client XXXX with XXXX XXXX credit score where the minimum required is XXXX XXXX has XXX years of experience in the industry. XXXX of XXXX where maximum allowed is XXXX |  |  |  | 08/27/2025 | B | 2 | XXXX | SC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1674103 | XXXX | XXXX | 7155652 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock of XXXX XXXX under XXXX max XXX |  | COMPENSATING XXXX XXXX waived payment shock XXXX with comp factors: XXXX XXXX low ltv XXXX under max XXXX XXXX has excellent credit, sold primary XXXX ago but lived there XXXX with good mtg history, XXXX income with XXXX job time, XXXX XXXX XXXX |  |  |  | 08/20/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674108 | XXXX | XXXX | 7155672 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required to be from an approved XXXX XXXX in file to use XXXX appraisal. |  | Compensating factors: XXXX reserves above minimum requirement of XX months. XXXX residual income above minimum requirement of XXXX |  |  |  | 08/28/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1674365 | XXXX | XXXX | 7156051 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX provide the signed final XXX for the XXXX bridge loan dated XXXX XXX should reflect loan proceeds of XXXX along with the payoff amounts for XXXX XXXX at XXXX and XXXX XXXX at XXXX XXXX provided copy of the XXX is currently unsigned. | CD provided XXXX XXXX |  |  | 09/03/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1674650 | XXXX | XXXX | 7159708 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX borrower's credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/02/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674650 | XXXX | XXXX | 7159709 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX funds used for XXXX XXXX income when the XXXXX program does not allow business funds to be used for XXXX XXXX income. |  | Client waived with compensating factors: XXXX residual income when XXXX is required for the XXXX XXXX program; XXXX XXXX score when the min XXXX score required is XXXX payment shock is XXXX when XXXX is allowed. |  |  |  | 09/03/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674652 | XXXX | XXXX | 7159722 | 258 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | XXXX XXXX final inspection report confirming that all construction has been completed according to plans and specifications. | XXXXD provided. |  |  | 09/04/2025 |  |  | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | C | A |  | Non-QM | 1 |
| 1674652 | XXXX | XXXX | 7159723 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX exception required for a XXXX exceeding XXXX XXXX on a XXXX XXXX XXXX borrower under the XXXXX XXXX |  | Client waived with compensating XXXX post-closing reserves of XXX months exceed the program minimum of XX months XXXX XXXX payment shock XXXX XXXX vs XXXX current rent) XXXX XXX months rental history |  |  |  | 09/04/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | C | A |  | Non-QM | 1 |
| 1674652 | XXXX | XXXX | 7159724 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX points to XXXX | Compensating factors are XXXX post-closing reserves of XXX months exceed the program minimum of XX months XXXX XXXX payment shock XXXX XXXX vs XXXX current rent) XXXX XXX months rental history |  |  | 08/30/2025 |  |  | A | 1 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | C | A |  | Non-QM | 1 |
| 1674758 | XXXX | XXXX | 7156849 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/22/2025 |  |  | A | 1 | XXXX | VA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1674758 | XXXX | XXXX | 7156851 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX of property is required to be less than XXX subject property is XXX acres. |  | Client XXXX with XXXX XXXX XXXX XXXX scores of XXXX are well within minimum score is XXXX XXXX have owned their current primary for XXX years. XXXX mortgage history is paid on time for past XXXX months. |  |  |  | 08/22/2025 | B | 2 | XXXX | VA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1674969 | XXXX | XXXX | 7157069 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX documentation for XXXX for XXXX XXXX and XXXX is missing from the file. |  | Client waved with compensating factors: documents XXX and XXX earnings to support income, XXXX XXX returns, XXXX of XXXX no derogatory with light credit, not an abuser of credit, reserves after close XXXX XXXX months), residual income XXXX required XXXX | Client 08/27/2025 12:00 PM; In XXXX he left the XXXX mid way through the year so he never got a return for that year. <br> XXXX he had a XXXX XXXX after that until he started his XXXX XXXX XXX we used XXX and XXX foreign returns to qualify. XXXX you. <br>Reviewer 08/27/2025 02:55 PM; File sent to XXXX to address. XXX<br>Client 09/08/2025 06:18 PM; Unclear why this additional deficiency has been added. XXXX approval in file states we have management approval to proceed with XXXX income and can use employment letter in file. XXXX should be adequate proof that the documentation we have in file is sufficient to qualify the borrower on. XXXX clear or escalate further. XXXX you. <br>Reviewer 09/09/2025 05:55 AM; Condition has been reviewed. XXX<br>|  |  | 09/09/2025 | B | 2 | XXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674969 | XXXX | XXXX | 7157070 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX letter from XXXX XXXX is missing the date the letter was written, dates of employment and income is XXX dollars. | Employer letter provided states borrower guaranteed XXXXX |  |  | 09/09/2025 |  |  | A | 1 | XXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674969 | XXXX | XXXX | 7157071 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX reflecting dates of employment with XXXX XXXX or clarification the income will be run through XXXX | XXXX reflects borrower start date XXXX XXXX letter provided states borrower guaranteed XXXXX |  |  | 09/09/2025 |  |  | A | 1 | XXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674969 | XXXX | XXXX | 7157072 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX does not meet the definition of a self-employed borrower with XXXX self-employed income history. XXXX XXXX XXXX and XXXX income to support most recent XXXX employment history. |  | Client waved with compensating factors: documents XXX and XXX earnings to support income, XXXX XXX returns, XXXX of XXXX no derogatory with light credit, not an abuser of credit, reserves after close XXXX XXXX months), residual income XXXX required XXXX |  |  |  | 09/09/2025 | B | 2 | XXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675025 | XXXX | XXXX | 7159696 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per guidelines, the maximum XXXX members is XXXX XXXX XXXX has XX members. XXXX family. |  | Client XXXX with XXXX XXXX XXXX minimum XXXX is XXXX XXXX XXXX is XXXX XXXX subject property is a XX unit property. XXXX income is possible when the XXXX unit is rented. XXXX reserves is XX months. XXXX has XXXX months |  |  |  | 08/18/2025 | B | 2 | XXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675025 | XXXX | XXXX | 7159697 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report is missing for the borrower. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/18/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675027 | XXXX | XXXX | 7157444 | 201 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | XXXX XXXX is missing in the file. | Information provided |  |  | 08/15/2025 |  |  | A | 1 | XXXX | WI | 1 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675030 | XXXX | XXXX | 7157452 | 355 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Incorrect Product Registration |  | XXXX was closed as XXXX XXXX XX XXXX XXXX XXXX loan. XXX months XXXX statements were used for income so loan type is actually XXXX XXXX XXXX XXXX XXXX | Received revised approval as XXX mo XXXX statement |  |  | 08/16/2025 |  |  | A | 1 | XXXX | MN | 1 | 13 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675031 | XXXX | XXXX | 7157453 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX property not eligible XXXX XXXX XXXX XXXX at XXXX on vacant property. |  | Client XXXX with XXXX XXXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXXX and XXXX fico score where the minimum is XXXX |  |  |  | 08/25/2025 | B | 2 | XXXX | CO | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675034 | XXXX | XXXX | 7157455 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX XXXX guidelines, properties need to be residential. XXXX is a mixed use property. |  | Client XXXX with XXXX XXXX XXXX XXXX for the program is XXXX and the XXXX for this loan is XXXX XXXX has a mortgage history of XXXX on a current property mortgage. XXXX reserves for the loan is XX months, borrower has XXXX months.. |  |  |  | 09/02/2025 | B | 2 | XXXX | PA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675036 | XXXX | XXXX | 7157456 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX XXXX XXXX XXXX reflected the policy number as XXXX XXXX may not reflect XXXX and must reflect a policy number. | Information provided |  |  | 09/08/2025 |  |  | A | 1 | XXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675036 | XXXX | XXXX | 7157457 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX properties require appraisal on form XXXX XXXX in file to use commercial appraisal. |  | Compensating factors: XXXX XXXX XX mortgages paid as agreed. XXXX credit paid as agreed for XXX years. |  |  |  | 09/08/2025 | B | 2 | XXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675036 | XXXX | XXXX | 7157458 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use properties require senior management approval. XXXX director approval in file. |  | Compensating factors: XXXX XXXX XX mortgages paid as agreed. XXXX credit paid as agreed for XXX years. |  |  |  | 09/08/2025 | B | 2 | XXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675037 | XXXX | XXXX | 7157460 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX has XXXX XXXX guidelines only XXXX is allowed. |  | Client XXXX with XXXX XXXX XXXX is an experienced investor. XXXX has post close assets of XXXX XXXX has credit score of XXXX when XXXX is required. |  |  |  | 08/18/2025 | B | 2 | XXXX | DE | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675038 | XXXX | XXXX | 7157463 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX utilized |  | COMPENSATING XXXX XXXX waived with XXXX XXXX XXXX and established credit history XXXX XXXX excellent rental payment history, XXXX reserves over XXXX XXXX investor over XXXX low XXXX XXXX under maxXX% |  |  |  | 08/29/2025 | B | 2 | XXXX | MI | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675038 | XXXX | XXXX | 7157464 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX with XXXX less than XXXX XXXX XXXX stacked points, with XXXX XXXX |  | COMPENSATING XXXX XXXX waived with XXXX XXXX XXXX and established credit history XXXX XXXX excellent rental payment history, XXXX reserves over XXXX XXXX investor over XXXX low XXXX XXXX under maxXX% |  |  |  | 08/29/2025 | B | 2 | XXXX | MI | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675041 | XXXX | XXXX | 7159758 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. | Information provided |  |  | 08/21/2025 |  |  | A | 1 | XXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675041 | XXXX | XXXX | 7159759 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX appraisal is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/20/2025 |  |  | A | 1 | XXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675041 | XXXX | XXXX | 7159761 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX second appraisal for XXXX calculation, the market value is XXXX on second appraisal and XXXX on the XXXX one. |  | Client XXXX with XXXX XXXX months reserves when only XX months XXXX fico score where the minimum required is XXXX and XXXX of XXXX where the minimum required is XXXX |  |  |  | 08/20/2025 | B | 2 | XXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675041 | XXXX | XXXX | 7159760 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX requires XXXX mortgage rating. XXXX XXXXX has mortgage rating of XXXX |  | Client XXXX with XXXX XXXX months reserves when only XX months XXXX fico score where the minimum required is XXXX and XXXX of XXXX where the minimum required is XXXX |  |  |  | 08/20/2025 | B | 2 | XXXX | LA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675042 | XXXX | XXXX | 7157475 | 959 | XXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX XXXX XXXX does not equal XXXX XXXX XXXX XXXX XXXX | Information provided |  |  | 08/14/2025 |  |  | A | 1 | XXXX | LA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675042 | XXXX | XXXX | 7157476 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX payment shock is XXXX XXXX exceeds it due to XXXX currently only pays lot rent. |  | Compensating XXXX XXXX yrs self employed XXXX XXXX XXXX XXX current residence XXXX years with a XXXX on monthly lot rent. XXXX XXXX above max allowed of XXXX |  |  |  | 08/13/2025 | B | 2 | XXXX | LA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675043 | XXXX | XXXX | 7157478 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX XXXX approval for desk review rating. |  | Client XXXX with XXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XX months required and XXXX fico score where the minimum required is XXXX |  |  |  | 09/03/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | A | A | A | A | C | B |  | Non-QM | 1 |
| 1675046 | XXXX | XXXX | 7157484 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower is required to have been self-employed for XX years minimum under the XXX month business XXXX statement program. |  | The exception was granted for the borrower not being XXXX for the minimum required XX years with the following compensating factors: XXXX XXXX score is XXXX minimum of XXXX XXXX borrowers mortgage on credit is paid XXXX required is XXXX XXXX borrower has been in the same line of work for XXX years. |  |  |  | 08/19/2025 | B | 2 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675047 | XXXX | XXXX | 7157485 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXXX XXXX is over XXXX which requires a max XXXX of XXXX XXXX XXXX on the subject transaction is XXXX and over the max XXXX to XXXX at XXXX |  | The client waived the XXXX to income ratio over the maximum of XXXX with a XXXX over XXXX with the following compensating factors: XXXX borrowers have an in file credit report dated since XXXX with no lates reported on consumer credit. XXXX borrower has been self-employed for over XXX years. XXXX borrowers credit score is XXXX above the minimum score is XXXX |  |  |  | 08/19/2025 | B | 2 | XXXX | CT | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1675047 | XXXX | XXXX | 7157486 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock at XXXX and is capped at XXXX due to XXXX slightly over max of XXXX at XXXX |  | The client waived the maximum payment shock requirement with the following compensating factors: XXXX borrowers have an in file credit report dated since XXXX with no lates reported on consumer credit. XXXX borrower has been self-employed for over XXX years. XXXX borrowers credit score is XXXX above the minimum score is XXXX |  |  |  | 08/19/2025 | B | 2 | XXXX | CT | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1675047 | XXXX | XXXX | 7157487 | 435 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | XXXX original credit bureau report must not be older than XXX days as of the date of closing. XXXX credit in the file is XXX days old. |  | The client waived the expiration of the credit report and extended to XXX days with the following compensating factors: XXXX borrowers have an in file credit report dated since XXXX with no lates reported on consumer credit. XXXX borrower has been self-employed for over XXX years. XXXX borrowers credit score is XXXX above the minimum score is XXXX |  |  |  | 08/19/2025 | B | 2 | XXXX | CT | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1675047 | XXXX | XXXX | 7157488 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX borrowers are short reserves. XXXX XXXX XXXX XX loan program requires XX months reserves with a loan amount less than or equal to XXXXX XXXX required reserves on the subject loan are XXXX and the borrowers have reserves of XXXX XXXX submit an exception to the program guidelines. | received funds documentation of XXXX |  |  | 08/20/2025 |  |  | A | 1 | XXXX | CT | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1675050 | XXXX | XXXX | 7157494 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/15/2025 |  |  | A | 1 | XXXX | MA | 1 | 13 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1675050 | XXXX | XXXX | 7157495 | 895 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | XXXX initial XXX issued XXXX | Information provided |  |  | 08/15/2025 |  |  | A | 1 | XXXX | MA | 1 | 13 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1675050 | XXXX | XXXX | 7157496 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX of XXXX max allowed on XXXX XXXX XXXX is XXXX XXX |  | COMPENSATING XXXX XXXX waived with compensating factors: XXXX of XXXX max allowed is XXXX XXXX months reserves, only XX months required. XXX mortgage lates and a XXXX XXXX score, min required is XXXX |  |  |  | 08/14/2025 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1675052 | XXXX | XXXX | 7157497 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX expiration at XXX XXXX |  | COMPENSATING XXXX XXXX waived with XXXX factors: XXXX has over XXX yrs credit depth, XXXX are paid as agreed, solid s/e business time over XXXX great residual income XXXX |  |  |  | 08/19/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675053 | XXXX | XXXX | 7157499 | 340 | XXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXXX property has insurance but the amount was not entered in for the XXXX amount. | $XXXX.XX/$XXXX.XX XXXX XXXX is included in the XXXX blanket policy included in one of the XX units |  |  | 08/25/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675053 | XXXX | XXXX | 7157501 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX required for XXXX < XXXX XXXX lease reflects monthly rent XXXX XXXX XXXX including monthly insurance = XXXX XXXX | $XXXX.XX/$XXXX.XX XXXX XXXX is included in the XXXX blanket policy included in one of the XX units |  |  | 08/25/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675054 | XXXX | XXXX | 7157503 | 200 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | XXXX blanket policy is missing from file. XXXX is XXXX XXXX | Information provided |  |  | 08/21/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675058 | XXXX | XXXX | 7162520 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 08/18/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | A | A | C | B | A | A |  | Non-QM | 1 |
| 1675058 | XXXX | XXXX | 7162522 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents have been received. | Documents received |  |  | 08/15/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | A | A | C | B | A | A |  | Non-QM | 1 |
| 1675061 | XXXX | XXXX | 7157516 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, XXXX must be experienced in multi unit properties. XXXX is not. |  | Client XXXX with XXXX XXXX XXXX mortgage on credit shows as XXXX XXXX credit user also. XXXX reserves is XX months. XXXX has XXXX mo of reserves. XXXX XXXX is XXXX XXXX has a XXXX XXXX and would be higher but one unit is vacant. |  |  |  | 09/05/2025 | B | 2 | XXXX | MI | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675063 | XXXX | XXXX | 7157521 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXX guidelines, a XXXX XXXX is required and dated within XXX days of closing. XXXX for XXXX | VVOE provided. |  |  | 09/05/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675066 | XXXX | XXXX | 7157526 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX maximum XXXX for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX loan exceeds the XXXX XXXX at XXXX with stacked points. |  | Client waived with compensating factors: XXXX borrower has a XXXX of XXXX with mortgages paid on credit XXXX when required is XXXX XXXX borrower has been a contractor for over XXX years. XXXX borrower has been living in the primary residence for XX years. |  |  |  | 09/02/2025 | B | 2 | XXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675066 | XXXX | XXXX | 7157527 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX minimum XXXX is XXXX and the subject loan has a XXXX of XXXX |  | Client waived with compensating factors: XXXX borrower has a XXXX of XXXX with mortgages paid on credit XXXX when required is XXXX XXXX borrower has been a contractor for over XXX years. XXXX borrower has been living in the primary residence for XX years. |  |  |  | 09/03/2025 | B | 2 | XXXX | NC | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675068 | XXXX | XXXX | 7157529 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX transferred from non XXXX approved XXXX |  | client XXXX with XXXX XXXX XXXX history of XXX years showing no late payments. XXXX credit score when minimum score is XXXX XXXX is a seasoned homeowner and investor. |  |  |  | 09/02/2025 | B | 2 | XXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675069 | XXXX | XXXX | 7157530 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX a signed and dated closing disclosure for the XXXX bridge loan dated XXXX secured by XXXX XXXX XXXX reflecting net proceeds of XXXXX XXXX current closing disclosure in the file is unsigned and undated. | Received signed XXX for XXXX loan |  |  | 09/09/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675069 | XXXX | XXXX | 7157531 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX all student loans on the credit report dated XXXX that don't show a monthly payment, the estimated monthly payment for qualification is calculated at XXXX of the outstanding balances instead of the standard XXXX | The compensating factors include: XXXX a residual income of XXXX which is well above the required minimum of XXXX XXXX post-closing reserves of XXXX months, exceeding the required minimum of XX months, XXXX an XXXX of XXXX significantly below the maximum allowed XXXX for a credit score over XXXX and XXXX a spotless mortgage payment history with no late payments since XXXX |  |  | 09/05/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675069 | XXXX | XXXX | 7157532 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock has surpassed XXXX times the allowable limit for a XXXX over XXXX with the actual payment shock reaching XX times. | The compensating factors include: XXXX a residual income of XXXX which is well above the required minimum of XXXX XXXX post-closing reserves of XXXX months, exceeding the required minimum of XX months, XXXX an XXXX of XXXX significantly below the maximum allowed XXXX for a credit score over XXXX and XXXX a spotless mortgage payment history with no late payments since XXXX |  |  | 09/05/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675070 | XXXX | XXXX | 7157533 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX shock above XXXX is permitted with senior management approval, not to exceed XXXX XXXX XXXX XXXX XXXX XXXX current prim res is free and clear. |  | COMPENSATING XXXX XXXX waived with compensating factors: over XXXX reserves, program XXXX reserves required, XXXX XXXX XXXX on prim purch, with max of XXXX XXXX XXXX XXXX excellent credit with no over usage. |  |  |  | 09/02/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675072 | XXXX | XXXX | 7157534 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX approval for XXXX less than XX for XXXX time investor. |  | Client XXXX with XXXX XXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXX and owned primary home for XXX months and only XXX months are required. |  |  |  | 09/02/2025 | B | 2 | XXXX | SC | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675073 | XXXX | XXXX | 7157535 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX of XXXX max allowed on XXXX purchase at XXXX with XXXX fico XXXX XXXX XX is XXX |  | COMPENSATING XXXX XXXX waived with compensating factors: XXXX has established job time XXXX XXXX home owner and investor. XXXX reserves XXXX low XXXX ratios of XXXXX |  |  |  | 08/15/2025 | B | 2 | XXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675074 | XXXX | XXXX | 7157536 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/04/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | A | A | A | A | A | A | A | A |  | Non-QM | 1 |
| 1675078 | XXXX | XXXX | 7157540 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX of XXXX and foreign credit to supplement tradeline requirements, XXXX credit report does not show tradelines, rather it shows no derog credit based on translation, |  | COMPENSATING XXXX XXXX waived with compensating factors: XXXX on translation and credit report borrower XXXX XXXX and no derog credit, XXXX XXXX XXX |  |  |  | 08/29/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675080 | XXXX | XXXX | 7157543 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX approval to full appraisal value due to the XXXX being low. |  | Client XXXX with the compensating XXXXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXXX and XXXX fico score where the minimum required is XXXX |  |  |  | 08/28/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1675080 | XXXX | XXXX | 7157544 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX by XXXX XXXX not to use unit XX for income at all. |  | Client XXXX with the compensating XXXXXX months reserves when only XX months required, XXXX of XXXX where the max allowed is XXXX and XXXX fico score where the minimum required is XXXX |  |  |  | 08/28/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1675084 | XXXX | XXXX | 7157549 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX available reserves of XXXX months XXXX does not meet the guideline minimum allowed of XX months XXXX for the XXXXX program. |  | Client waived with compensating factors: XXXX of XXXX where the max allowed is XXXX XXXX income of XXXX when only XXXX is required; XXXX score of XXXX when a minimum of XXXX is required. |  |  |  | 08/30/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675086 | XXXX | XXXX | 7157552 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX waiver requires a XXXX score greater than XXXX XXXX score for this borrower is XXXX |  | Client waived with compensating factors: borrower self-employed for XXXX has good credit depth and no derogatory in the last XXXX has XX mortgage paid XXX for the last XXXX |  |  |  | 09/07/2025 | B | 2 | XXXX | CA | 1 | 13 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1675086 | XXXX | XXXX | 7157553 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX value of the appraisal review is lower than the appraisal and is required to be used per guidelines. XXXX appraised value is XXXX and the appraisal review value is XXXX |  | Client waived with compensating factors: borrower self-employed for XXXX has good credit depth and no derogatory in the last XXXX has XX mortgage paid XXX for the last XXXX |  |  |  | 09/07/2025 | B | 2 | XXXX | CA | 1 | 13 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1675088 | XXXX | XXXX | 7157557 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX required for rural properties greater than XXX acres. XXXX in file as subject is rural with XXX acres. |  | Compensating factors: XX years at current residence, XXXX residual income greater than XXXX requirement, XXXX XXXX below max allowed of XXXX XXX months reserve above minimum requirement of XX months. |  |  |  | 09/08/2025 | B | 2 | XXXX | MO | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675091 | XXXX | XXXX | 7157561 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXX months XXXX statements with XXXX below XXXX is XXXX XXXX closed at XXXX |  | Client XXXX with XXXX XXXX XXXX has been in business XXXX years. XXXX residual income when XXXX is required. XXXX monthly payment from XXXX to XXXX per month. |  |  |  | 09/05/2025 | B | 2 | XXXX | TX | 1 | 3 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675092 | XXXX | XXXX | 7157562 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX XXXX XXXX XXXX less than XXXX but greater than XXXX |  | COMPENSATING XXXX XXXX waived with compensating factors: XXXX XXXX, XXXX mtg payment history no lates, XXXX credit history XXXX XXXX XXXX XXXX XXXX on purchase. |  |  |  | 09/03/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675095 | XXXX | XXXX | 7157565 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock of XXXX approved at XXXX XXXX has stacked points increasing XXXX to XXXX |  | Client XXXX with XXXX XXXX XXXX owned previous primary XXX years with zero late payments. XXXX of XXXX when XXXX is required. XXXX income of XXXX when XXXX is required. |  |  |  | 09/05/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675098 | XXXX | XXXX | 7157566 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. | Information provided |  |  | 09/05/2025 |  |  | A | 1 | XXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675098 | XXXX | XXXX | 7157567 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX approval needs to be updated to show property type as a condotel. | Approval reflects condotel in loan details |  |  | 09/04/2025 |  |  | A | 1 | XXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675098 | XXXX | XXXX | 7157568 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX approval for condotel. |  | Client XXXX with XXXX XXXX XXXX fico score where the minimum required is XXXX XXXX months reserves when only XX months required and XXXX of XXXX where the max allowed is XXXX |  |  |  | 09/03/2025 | B | 2 | XXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675100 | XXXX | XXXX | 7157570 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX is XXXX XXXX XXXX XXXX is XXXX |  | Client XXXX with XXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XXX months required and XXXX fico score where the minimum required is XXXX |  |  |  | 09/04/2025 | B | 2 | XXXX | CA | 3 | 3 | D | B | C | B | N/A | N/A | D | A |  | Exempt | 1 |
| 1675100 | XXXX | XXXX | 7157571 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX units must be XXXX sq ft. XXXX XXXX XXXX less than XXXX XXX but greater than XXXX XXXX |  | Client XXXX with XXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XXX months required and XXXX fico score where the minimum required is XXXX |  |  |  | 09/04/2025 | B | 2 | XXXX | CA | 3 | 3 | D | B | C | B | N/A | N/A | D | A |  | Exempt | 1 |
| 1675100 | XXXX | XXXX | 7157572 | 353 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | XXXX approval for loan size over XXXX million. XXXX amount is XXXXX |  | Client XXXX with XXXX XXXX XXXX of XXXX where the max allowed is XXXX XXXX months reserves when only XXX months required and XXXX fico score where the minimum required is XXXX |  |  |  | 09/04/2025 | B | 2 | XXXX | CA | 3 | 3 | D | B | C | B | N/A | N/A | D | A |  | Exempt | 1 |
| 1675101 | XXXX | XXXX | 7157574 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for a XXXX is XXXX XXXX XXXX is XXXX including stacked points. XXXX approval in file approving XXXX with stacked points. |  | Compensating factors: XX mortgages paid as agreed. XXXX file dating back to XXXX XXXX consumer credit paid as agreed. |  |  |  | 08/27/2025 | B | 2 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675102 | XXXX | XXXX | 7157575 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX property |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX with max XXXX XXXX XXXX history XX lates, XXXX XXXX excellent credit history, XXXX XXXX XXXX plus |  |  |  | 09/03/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675104 | XXXX | XXXX | 7157578 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX must be self-employed minimum XX years. XXXX in file for XXXX XXXX years self-employed. |  | Compensating factors: XXXX has been in the same line of work for XXX years. XXXX XXXX above minimum requirement of XXXX XXXX XXXX below max XXXX of XXXX all mortgages paid as agreed. |  |  |  | 09/04/2025 | B | 2 | XXXX | NM | 1 | 3 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675105 | XXXX | XXXX | 7157579 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX funds XXXX time investor XXXX XXXX XXXX funds on a XXXX |  | COMPENSATING XXXX XXXX XXXX XXXX XXXX XXXX mtg history no lates, XXXX credit history XXXX XXX |  |  |  | 09/04/2025 | B | 2 | XXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675105 | XXXX | XXXX | 7157580 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX seasoned investor XXXX XXXX XXXX points to XXXX of XXX |  | COMPENSATING XXXX XXXX XXXX XXXX XXXX XXXX mtg history no lates, XXXX credit history XXXX XXX |  |  |  | 09/04/2025 | B | 2 | XXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675106 | XXXX | XXXX | 7159766 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX to be under XXXX payment shock is over XX |  | COMPENSATING XXXX XXXX XXXX job time XXXX XXXX mtg payment history, XXXX XXXX no derog credit, XXXX investor, current primary res owned XXXX low XXXX XXXX low XXXX XXX |  |  |  | 08/29/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675106 | XXXX | XXXX | 7159767 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX request XXXX indicates XXXX market |  | COMPENSATING XXXX XXXX XXXX job time XXXX XXXX mtg payment history, XXXX XXXX no derog credit, XXXX investor, current primary res owned XXXX low XXXX XXXX low XXXX XXX |  |  |  | 08/29/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675111 | XXXX | XXXX | 7157586 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the maximum cash out is XXXX XXXX exceeds that limit. |  | Client XXXX with XXXX XXXX XXXX has XXXX mo reserves when the minimum is XX mo. XXXX on a current mortgage. XXXX borrowers credit score is XXXX when the minimum is XXXX for the program. |  |  |  | 09/03/2025 | B | 2 | XXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675112 | XXXX | XXXX | 7157589 | 357 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXX maximum cash out on the XXXX XXXX flow XXXX XXXX is XXXX the borrower's cash out exceeds that at XXXX |  | Client waived with compensating factors: XXXX borrower has owned the primary residence for XXX years; XXXX XXXX is XXXX and max XXXX is XXXX XXXX XXXX XXXX is XXXX with the minimum required XXXX of XXXX XXXX borrowers mortage on credit shows XXXX required is XXXX |  |  |  | 09/05/2025 | B | 2 | XXXX | OR | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675113 | XXXX | XXXX | 7157590 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX borrower is using XXXX funds for closing and did not provide the verification of liquidation. |  | Client waived with compensating factors: XXXX income is XXXX XXXX is required; XXXX borrowers have XXXXX XXX months in reserves, and XX months is required. XXXX borrower has owned the current business for XX years, with XX years required. |  |  |  | 09/05/2025 | B | 2 | XXXX | CA | 2 | 3 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675115 | XXXX | XXXX | 7157618 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXX months XXXX statement income requires XXXX credit score. XXXX XXXXXXX approved non-arms-length transaction, XXXX credit score XXX XXXX XXXX statement and gift of equity. |  | Client waived with compensating factors: XXXX XXXX when max is XXXX XXXX months in reserves when only XX months is required and XXXX XXXX when max allowed is XXXX |  |  |  | 09/04/2025 | B | 2 | XXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675116 | XXXX | XXXX | 7157620 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX in litigation |  | Client XXXX with XXXX XXXX XXX month mortgage history with no late payments, XXXX XXXX score where minimum required is XXXX XXXX of XXXX where minimum required is XXXX |  |  |  | 09/08/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675116 | XXXX | XXXX | 7157621 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX requires XXXX XXXX and XXXX XXXX to use multiplier of XXXX XXXX points increased XXXX to XXXX |  | Client XXXX with XXXX XXXX XXX month mortgage history with no late payments, XXXX XXXX score where minimum required is XXXX XXXX of XXXX where minimum required is XXXX |  |  |  | 09/08/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675116 | XXXX | XXXX | 7157622 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX than XX months marketing time per appraisal |  | Client XXXX with XXXX XXXX XXX month mortgage history with no late payments, XXXX XXXX score where minimum required is XXXX XXXX of XXXX where minimum required is XXXX |  |  |  | 09/08/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675116 | XXXX | XXXX | 7157623 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX includes furnishings and artwork. |  | Client XXXX with XXXX XXXX XXX month mortgage history with no late payments, XXXX XXXX score where minimum required is XXXX XXXX of XXXX where minimum required is XXXX |  |  |  | 09/08/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675138 | XXXX | XXXX | 7157658 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX loan has a bridge loan being used for assets. XXXX XXX is in file. XXXX final signed closing XXX to verify XXXX loan assets. | Received final signed bridge loan XX |  |  | 09/09/2025 |  |  | A | 1 | XXXX | IL | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675198 | XXXX | XXXX | 7159733 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX of XXXX XXXX for XXXX XXXX XXX | Received XXX XXX |  |  | 09/10/2025 |  |  | A | 1 | XXXX | NC | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675231 | XXXX | XXXX | 7157963 | 959 | XXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | XXXX XXXX reflected an initial deposit amount of XXXX however, block XX on the XXXX XXXX dated XXXX reflected the XXXX XXXX XXXX at XXXX as XXXX XXXX amounts must match. XXXX updated XXXX | Information provided |  |  | 09/10/2025 |  |  | A | 1 | XXXX | LA | 3 | 13 | B | A | B | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675287 | XXXX | XXXX | 7158087 | 90 | XXXX | Credit | Credit Report |  | Credit Report - is missing |  | XXXX report is missing in file. | Information provided |  |  | 08/11/2025 |  |  | A | 1 | XXXX | WI | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675287 | XXXX | XXXX | 7158088 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report and XXXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 08/11/2025 |  |  | A | 1 | XXXX | WI | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675290 | XXXX | XXXX | 7158112 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | documents received |  |  | 09/09/2025 |  |  | A | 1 | XXXX | TN | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675290 | XXXX | XXXX | 7158113 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidlines, the minimum score is XXXX for the XXXX XX program. XXXX score is XXXX |  | Client XXXX with XXXX XXXX XXXX mortgage which was paid off from the XXXX loan was XXXX XX months reserves are required, borrower has XXXX mo. XXXX residual income is XXXX XXXX residual income is XXXX |  |  |  | 09/09/2025 | B | 2 | XXXX | TN | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675294 | XXXX | XXXX | 7158124 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/11/2025 |  |  | A | 1 | XXXX | CA | 1 | 13 | C | A | A | A | C | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675297 | XXXX | XXXX | 7158129 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX second home rider indicates the property cannot be utilized for business use and the guidelines require second home properties to not be subject to any rental agreements. XXXX subject property is a second home which is being rented out as an XXXX for the borrower's business, making the property ineligible as a XXXX home. |  | Client waived with compensating factors: XXXX XXXX XXXX self-employed, XXXX XXXX reserves after close XXXX XXXXX |  |  |  | 09/11/2025 | B | 2 | XXXX | NV | 2 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675303 | XXXX | XXXX | 7158170 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/09/2025 |  |  | A | 1 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675303 | XXXX | XXXX | 7158171 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX reserve requirement for the XXXX XXXX XXXX XX program for loan amounts under XXXX is XX months, which is XXXX XXXX borrowers have XXXX or XXXX months and are short XXXX in reserves. XXXX provide the evidence of funds for additional monies in reserves. |  | Client waived with compensating factors: XXXX XXXX XX XXXX XXXX for purchase loans with a credit score > XXXX and XXXX XXXX & <= XXXX with XX month waived, loan meets guidelines. XXXX XXXX XXXX months) | Client 09/10/2025 05:01 PM; Per current pricing matrix, XX XXXX XXXX for purchase loans with a credit score > XXXX and XXXX XXXX & <= XXXX XXXX XX month waived on loan approval, loan meets guidelines. XXXX you. <br>Reviewer 09/11/2025 06:02 AM; Condition has been reviewed. XXX<br>|  |  | 09/11/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675323 | XXXX | XXXX | 7158232 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXX XXXX XXXX XXXX reflected the policy number as XXXX XXXX may not reflect XXXX and must reflect a policy number. | Information provided |  |  | 09/11/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675323 | XXXX | XXXX | 7158233 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is a non-permanent resident with an XXXX classification of XXXX |  | Client waived with XXXX XXXX XXXX is an experienced investor, XXXX of XXXX when minimum required is XXXX XXXX history dating back to XXXX showing all mortgages paid as agreed. |  |  |  | 09/08/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675513 | XXXX | XXXX | 7158546 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXXX are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/08/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1675513 | XXXX | XXXX | 7158549 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval and loan summary needs to be corrected to reflect the correct rate of XXXX it currently shows the rate is XXXX | Received revised loan summary and approval |  |  | 09/10/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1675527 | XXXX | XXXX | 7158618 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX shock should be limited to XXXX depending on debt ratio. XXXX XXXX payment shock at XXXX due to departing residence free and clear |  | COMPENSATING XXXX XXXX waived with XXXX XXXX XXXX have excellent mortgage payment history no lates, XXXX credit XXXX XXXX XXXX XXXX XXXX under max XXXX XXXX reserves over XXXX |  |  |  | 09/09/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1675527 | XXXX | XXXX | 7158619 | 258 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | XXXX completed XXXX XXXX XXXX XXXX XXXX required | Received final inspection |  |  | 09/10/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1675527 | XXXX | XXXX | 7158620 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/15/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1675527 | XXXX | XXXX | 7158621 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for increase in XXXX XXXX without a valid XXXX XXXX tolerance violation of XXXX XX refund in the amount of XXXX along with XXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  |  | 09/15/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1675746 | XXXX | XXXX | 7158985 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 09/17/2025 |  |  | A | 1 | XXXX | MD | 1 | 1 | C | B | C | B | C | B | A | A |  | Non-QM | 1 |
| 1675746 | XXXX | XXXX | 7158987 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX allowed payment shock is XXXX shock for this loan is XXXX |  | Client XXXX with XXXX XXXX XXXX consumer credit paid in full. XXXX has held current position as business owner for XXXX years. XXXX has XX mortgages on credit both paid as agreed. |  |  |  | 08/26/2025 | B | 2 | XXXX | MD | 1 | 1 | C | B | C | B | C | B | A | A |  | Non-QM | 1 |
| 1675800 | XXXX | XXXX | 7159082 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX complete final closing disclosure from sale of residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX signature page. XX complete final closing disclosure is required under the XXXX XXXX XXXX XX program. XXXX submit the signature page of document. | Received signed final XXX for XXXX XXXX XXXX |  |  | 09/17/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675800 | XXXX | XXXX | 7159083 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX the borrower's permanent resident alien registration XXXX XXXX the program guidelines, permanent resident aliens must hold acceptable evidence of residency. XXXX submit the missing documentation. | Received current XXXX card |  |  | 09/13/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1676000 | XXXX | XXXX | 7159516 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XX XXX month rental history is required under the XXXX XXXX XXXX XX program. XXXX borrowers did not satisfy the XXX month rental history requirement. |  | Client waived with compensating factors: XXXX XXXX score is XXXX with the requirement at XXXX XXXX borrower has XXX months in reserves with XX months required, and the borrowers have XXXX in residual income and needed XXXX |  |  |  | 09/09/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676003 | XXXX | XXXX | 7159597 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX does not have a condo questionnaire for a XXXX project |  | Client XXXX with XXXX factors XXXX post-closing reserves of XXX months are more than the required XXX months XXXX residual income of XXXX exceeds the minimum requirement of XXXX XXXX XXXX mortgage history on XX mortgages for XXX months. |  |  |  | 09/15/2025 | B | 2 | XXXX | CT | 1 | 1 | C | B | A | A | A | A | C | B |  | Non-QM | 1 |
| 1676004 | XXXX | XXXX | 7159598 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use XXXX requires XXXX management approval. XXXX update exception directly reflecting senior management approved the exception with date/time/and specific name of the person approving exception. |  | Exception approval by XXXX XX received for mixed use property. XXXX XXXX XXXX XXXX XXXX under max XXXX XXXX XXXX time XXXX over XXXX XXXX XXXX payment history no lates, excellent XXXX XXXX over min XXXX reserves required. XXXX investor |  |  |  | 09/17/2025 | B | 2 | XXXX | PA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676006 | XXXX | XXXX | 7159599 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX report was extended to XXX days. |  | Client XXXX with XXXX XXXX XXXX has lived at primary residence XXXX years. XXXX XXXX of XXXX with stacked points when max XXXX is XXXX XXXX residual income when XXXX is required. |  |  |  | 09/17/2025 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676006 | XXXX | XXXX | 7159600 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX verified with XXX months on payment ledger, and XXX months on title. |  | Client XXXX with XXXX XXXX XXXX has lived at primary residence XXXX years. XXXX XXXX of XXXX with stacked points when max XXXX is XXXX XXXX residual income when XXXX is required. |  |  |  | 09/17/2025 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676006 | XXXX | XXXX | 7159601 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX is XXXX XXXX XXXX for XXX months XXXX statement income is XXXX |  | Client XXXX with XXXX XXXX XXXX has lived at primary residence XXXX years. XXXX XXXX of XXXX with stacked points when max XXXX is XXXX XXXX residual income when XXXX is required. |  |  |  | 09/17/2025 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676007 | XXXX | XXXX | 7159604 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. | Information provided |  |  | 09/17/2025 |  |  | A | 1 | XXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676007 | XXXX | XXXX | 7159605 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX not provided as not using rental income to qualify |  | Client XXXX with XXXX XXXX XXXX subject XXXX XX mortgages paid XXXX months, XXX months reserves under XXXX required, XXXX XXXX XXXX under max XXXX XXXX for XXXX |  |  |  | 09/17/2025 | B | 2 | XXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676007 | XXXX | XXXX | 7159606 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX requires sr mgmt approval |  | Client XXXX with XXXX XXXX XXXX subject XXXX XX mortgages paid XXXX months, XXX months reserves under XXXX required, XXXX XXXX XXXX under max XXXX XXXX for XXXX |  |  |  | 09/17/2025 | B | 2 | XXXX | AL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676008 | XXXX | XXXX | 7159607 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX request XXXX on XXXX |  | COMPENSATING XXXX XXXX XXXX with comp factors: XXXX XXXX XXXX XXXX min XXXX XXX XXXX credit history of XXXX with XX isolated late XXXX XXXX term ownership and occupancy of primary for XXXX XXXX reserves only XXXX were required |  |  |  | 09/10/2025 | B | 2 | XXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676008 | XXXX | XXXX | 7159608 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX |  | COMPENSATING XXXX XXXX XXXX with comp factors: XXXX XXXX XXXX XXXX min XXXX XXX XXXX credit history of XXXX with XX isolated late XXXX XXXX term ownership and occupancy of primary for XXXX XXXX reserves only XXXX were required |  |  |  | 09/10/2025 | B | 2 | XXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676009 | XXXX | XXXX | 7159610 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the borrower must have a XXXX mortgage history. XXXX have a XXXX in XXXX |  | Client XXXX with XXXX XXXX XXXX reserves is XX months. XXXX has XXXX mo reserves. XXXX on current primary residence. XXXX investor with XX properties. |  |  |  | 09/10/2025 | B | 2 | XXXX | SC | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676009 | XXXX | XXXX | 7159611 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX maximum XXXX for a XXXX XXXX unit rate and term refinance is XXXX XXXX subject is XXXX with XXXX stacked points. |  | Client XXXX with XXXX XXXX XXXX reserves is XX months. XXXX has XXXX mo reserves. XXXX on current primary residence. XXXX investor with XX properties. |  |  |  | 09/11/2025 | B | 2 | XXXX | SC | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676012 | XXXX | XXXX | 7159725 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX months seasoning required for cash out refinances. XXXX XXXX have owned the home since XXXX and the loan closed XXXX < XX months. |  | Exception approval received for lack of XX months seasoning. XXXX factors: XXXX XXXX lower than max XXXX XXXX XXXX XXXX XXXX above minimum requirement of XXXX XXXX paid as agreed. |  |  |  | 09/17/2025 | B | 2 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676012 | XXXX | XXXX | 7159726 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX properties require senior management approval. XXXX subject is a rural property on XXXX acres. XXXX management approval for a rural property is not addressed on the loan approval. |  | Received XXX XXXX approval for XXXX property/ XXXX factors: XXXX XXXX lower than max XXXX XXXX XXXX XXXX XXXX above minimum requirement of XXXX XXXX paid as agreed. |  |  |  | 09/17/2025 | B | 2 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676012 | XXXX | XXXX | 7159727 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX does not have XXXX deductions on paystubs and considered a XXX employee. XXXX approval in file approving the use XXX income from XXXX XXXX XXXX and considering as a XXX wage earner. |  | Compensating factors: XXXX XXXX lower than max XXXX XXXX XXXX XXXX XXXX above minimum requirement of XXXX XXXX paid as agreed. |  |  |  | 09/13/2025 | B | 2 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676012 | XXXX | XXXX | 7159728 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXXX checks/XXXX statements verifying the mortgages payments for current private mortgage XXXX for XXXX missing from file. XXXX require all mortgages rated paid XXX for minim XXX months. XXXX previous residence owned free and clear. | Received payment history |  |  | 09/17/2025 |  |  | A | 1 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676012 | XXXX | XXXX | 7159729 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX for XXX from XXXX XXXX XXXX missing from the file. XXXX XXXX in file, missing XXXX and XXXX | Borrower is only a XXX employee and is less than XXXX owner |  |  | 09/19/2025 |  |  | A | 1 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676012 | XXXX | XXXX | 7159731 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX and XXXX XXXX missing from the file. XXX is employed by a family member. XXX is unclear if the XXXX is self-employed. | Transcripts in file verify borrower is XX |  | Client 09/18/2025 05:24 PM; Transcripts in file verify borrower is XXXX thank you. <br>Reviewer 09/19/2025 05:03 AM; Condition has been reviewed. XXX<br>| 09/19/2025 |  |  | A | 1 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676013 | XXXX | XXXX | 7159620 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX XXXX XX guidelines, a borrower must be self employed a minimum of XXX mo. XXXX only self employed XX mo. |  | Client XXXX with XXXX XXXX XXXX on past mortgage, XXXX mo of reserves when only XX mo reserves is required. XXXX income of XXXX when XXXX is required. |  |  |  | 09/11/2025 | B | 2 | XXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676013 | XXXX | XXXX | 7159621 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXX per XXXX guidelines, the lender insured amount must be the same or greater than the loan amount. | Received revised title |  |  | 09/18/2025 |  |  | A | 1 | XXXX | WA | 1 | 1 | D | B | D | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676014 | XXXX | XXXX | 7159622 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX require six months of reserves amounting to XXXX XXXX post-closing reserves total XXXX falling short of the required amount. |  | Compensating factors include: XXXX a substantial down payment of XXXX of the sale XXXX, XXXX a mortgage payment history with no late payments XXXX since XXXX and XXXX a debt service coverage ratio XXXX of XXXX |  |  |  | 09/11/2025 | B | 2 | XXXX | UT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676016 | XXXX | XXXX | 7159623 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX & XXXX for marketing time over XXXX for XXXX buyer and desirable XXXX community. XXXX time addressed in appraisal. |  | COMPENSATING XXXX XXXX XXXX with XXXX factors: XXXX has excellent mtg history XX lates, XXXX XXXX XXXX with no derogs, XXXX XXXX over min XXXX required of XXXX XXXX is stacked at XXXX XXXX under XXXX XXXX allowed of XXXX XXXX XXXX under XXXX XXXX XXXX allowed. XXXX job time since XXXX |  |  |  | 09/11/2025 | B | 2 | XXXX | FL | 2 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676017 | XXXX | XXXX | 7159624 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock greater than XXXX with XXXX over XXX |  | Client waived with XXXX XXXX XXXX XXXX when XXXX is required. XXXX income of XXXX when XXXX is required. XXXX borrowers have been in business XXX years. |  |  |  | 09/15/2025 | B | 2 | XXXX | VA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676017 | XXXX | XXXX | 7159625 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX extended to XXX days to accommodate seller delay in closing. |  | Client waived with XXXX XXXX XXXX XXXX when XXXX is required. XXXX income of XXXX when XXXX is required. XXXX borrowers have been in business XXX years. |  |  |  | 09/15/2025 | B | 2 | XXXX | VA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676019 | XXXX | XXXX | 7159768 | 998 | XXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | XXXX title policy does not show who is going to be on the final title. XXXX title shows in XX different names. | Received XXXX XXXX XXXX and final XXXX with only XX person on title |  |  | 09/10/2025 |  |  | A | 1 | XXXX | MA | 3 | 13 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676019 | XXXX | XXXX | 7159769 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX maximum XXXX for a XXXX cash out refinance is XXXX XXXX loan is approved with an XXXX of XXXX with stacked points. |  | Compensating factors: XX mortgages paid as agreed, XXXX months reserve above minimum requirement of XX months. |  |  |  | 09/09/2025 | B | 2 | XXXX | MA | 3 | 13 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676020 | XXXX | XXXX | 7159628 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX maximum payment shock is XXXX under the XXXX XXXX XXXX XX program. XXXX borrowers payment shock is XXXX |  | Received exception approval for payment shock/ compensating XXXX - he borrower has had a credit history since XXXX with only a XXXX history required. XXXX residual income is XXXX with XXXX as the requirement, and the borrower has a job history with the same company for XX years with only a XX year requirement. |  |  |  | 09/11/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | B |  | Non-QM | 1 |
| 1676020 | XXXX | XXXX | 7159629 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX maintenance was reported on the XXXX XXXX is not permitted under the guidelines. |  | Client waived with compensating factors: XXXX borrower has had a credit history since XXXX with only a XXXX history required. XXXX residual income is XXXX with XXXX as the requirement, and the borrower has a job history with the same company for XX years with only a XX year requirement. |  |  |  | 09/09/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | B |  | Non-QM | 1 |
| 1676020 | XXXX | XXXX | 7159630 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/15/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | B |  | Non-QM | 1 |
| 1676020 | XXXX | XXXX | 7159631 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX tolerance violation for increase in recording fee without a valid XXXX XXXX tolerance violation of XXXX XX refund in the amount of XXXX along with XXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  |  | 09/15/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | C | A | C | B |  | Non-QM | 1 |
| 1676021 | XXXX | XXXX | 7159632 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approved XXXX appraisal requires XXXX management approval |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX credit no derogs or lates, XXXX mtg paid XXXX months, XXXX res free and clear. XXXX XXXX over min required XXXX XXXX XXXX XXXX XXXX XXXX XXXX under max XXXX |  |  |  | 09/16/2025 | B | 2 | XXXX | CO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676021 | XXXX | XXXX | 7159633 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX credit no derogs or lates, XXXX mtg paid XXXX months, XXXX res free and clear. XXXX XXXX over min required XXXX XXXX XXXX XXXX XXXX XXXX XXXX under max XXXX |  |  |  | 09/16/2025 | B | 2 | XXXX | CO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676024 | XXXX | XXXX | 7159634 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceeds guidelines. XXXX max XXXX for a XXXX XXXX XXXX purchase is XXXX XXXX subject is XXXX XXXX including stacked points of XXXX |  | Compensating factors: XXXX XXXX above minimum requirement of XXXX XXXX credit paid as agreed, self-employed XXXX working at the same office. |  |  |  | 09/14/2025 | B | 2 | XXXX | CO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676025 | XXXX | XXXX | 7159635 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX properties require senior management approval. |  | Compensating factors: XXXX income earners, XXXX total income XXXX XXXX XXXX below max XXXX of XXXX XXXX reserves above minimum requirement of XX months. |  |  |  | 09/13/2025 | B | 2 | XXXX | ID | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676026 | XXXX | XXXX | 7159636 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXX guidelines, a XXXX XXXX must be completed within XXX business days of the note. | Received XXX day XXXX |  |  | 09/15/2025 |  |  | A | 1 | XXXX | WA | 1 | 1 | D | A | D | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676027 | XXXX | XXXX | 7159638 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. | Information provided |  |  | 09/19/2025 |  |  | A | 1 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676027 | XXXX | XXXX | 7159639 | 357 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXX maximum cash back allowed is XXXX and the borrowers are receiving XXXX |  | Client waived with compensating factors: XXXX borrowers have XXXX months reserves or XXXX and the required reserves are XX months. XXXX XXXX is XXXX and the required XXXX is XXXX XXXX mortgage payments are XXXX reported on the credit report and XXXX is required. |  |  |  | 09/18/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676028 | XXXX | XXXX | 7159640 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXXX guidelines, loans with no impounds and a XXXX exceeding XXXX require senior management approval. XXXX loan has a stacked XXXX of XXXX |  | Exception approval received for waiving escrow/impounds. XXXX XXXX - fico XXXX XXXX XXXX XXXX for over XXX years, XXXX income XXXX |  |  |  | 09/17/2025 | B | 2 | XXXX | CA | 2 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676029 | XXXX | XXXX | 7159643 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX XXXX XXXX stacked |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX residence of XX yrs, XXXX residual income XXXX XXXX credit history, XXXX XXXX over min XXXX of XXXX XXXX XXXX of XXXX under max XXXX XXXX XXXX months reserves, only XX mo required max |  |  |  | 09/11/2025 | B | 2 | XXXX | TX | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676030 | XXXX | XXXX | 7159644 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceed guidelines. XXXX max seller contributions for a XXXX purchase is XXX or XXXX XXXX contributions per XXX XXXX or XXXX |  | Exception approval received for seller credit of XXXX XXXX XXXX - XXXX XXXX XXXX XXXX million, seasoned investor, credit paid as agreed. |  |  |  | 09/17/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676032 | XXXX | XXXX | 7159645 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX out exceeds guidelines. XXXX guidelines allow max cash out for a XXXX is XXXX XXXX subject cash out proceeds XXXXX |  | Compensating factors: XXXX XXXX above minimum requirement of XXXX XXXX XXXX below minimum requirement of XXXX |  |  |  | 09/15/2025 | B | 2 | XXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676034 | XXXX | XXXX | 7159646 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisal from non XXXX approved XXXX |  | Client XXXX with XXXX XXXX XXXX XXXX when XXXX is required, XXXX XXXX when maximum allowed is XXXX XXXX income of XXXX when XXXX is required. |  |  |  | 09/04/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676034 | XXXX | XXXX | 7159647 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX income XXX months with a low expense XXXX of XXXX |  | Client XXXX with XXXX XXXX XXXX XXXX when XXXX is required, XXXX XXXX when maximum allowed is XXXX XXXX income of XXXX when XXXX is required. |  |  |  | 09/04/2025 | B | 2 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676034 | XXXX | XXXX | 7159648 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/09/2025 |  |  | A | 1 | XXXX | NC | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676035 | XXXX | XXXX | 7159649 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX bridge loan XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 09/14/2025 |  |  | A | 1 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676035 | XXXX | XXXX | 7159650 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX current primary residence is free and clear. XXXX shock XXXX |  | Client waived with XXXX XXXX XXXX XXXX of XXXX where minimum required is XXXX XXXX has credit depth of XXX years with no derogatory credit. XXXX income of XXXX when XXXX is required. XXXX paid off since XXXX |  |  |  | 09/15/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676035 | XXXX | XXXX | 7159651 | 319 | XXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | XXXX contribution in the amount of XXXX exceed XXXX closing costs of XXXX | Received XXXX showing seller credits of XXXX |  | Client 09/17/2025 11:07 AM; Would a XXXX clear this finding? XXX appears the actual seller credits on the loan were XXXX XXXX you. <br>Reviewer 09/17/2025 11:17 AM; Provie XXXX showing the actual seller credits of XXXX<br>Reviewer 09/17/2025 11:17 AM; Provie XXXX showing the actual seller credits of XXXX<br>| 09/17/2025 |  |  | A | 1 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676037 | XXXX | XXXX | 7159653 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval is needed for loan shock due to the new mortgage payment exceeding XX times the previous amount. XXXX actual payment shock is calculated at XXXX times. |  | Approval granted for a payment shock of XXXX exceeding the guideline maximum of XXXX XXXX compensating factors are: XXXX XXX months of reserves, surpassing the required minimum of XX months, XXXX residual income of XXXX exceeding the guideline minimum of XXXX and XXXX a XXXX months mortgage history. |  |  |  | 09/16/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676038 | XXXX | XXXX | 7159654 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX exceeds guidelines. XXXX max XXXX is XXXX for an XXXX XXXX is XXXX XXXX subject is XXXX including XXXX stacked points. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX credit no derogs, XXXX XXXX above min required XXXX XXXX XXXX reserves of XXXX over required XXXX reserves. |  |  |  | 09/14/2025 | B | 2 | XXXX | WI | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676039 | XXXX | XXXX | 7159655 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX shock exceeds guidelines. XXXX payment shock when XXXX is > XXXX is XXXX XXXX payment shock. |  | Compensating factors: XXXX credit paid as agreed. XXXX rental XXXX |  |  |  | 09/13/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676039 | XXXX | XXXX | 7159656 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX exceeds guidelines. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX |  | Compensating factors: XXXX credit paid as agreed. XXXX rental XXXX |  |  |  | 09/13/2025 | B | 2 | XXXX | CA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676041 | XXXX | XXXX | 7159657 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX to close include XXXX from the sale of XXXX assets. |  | Approved with these compensating factors: XXXX XXXX XXXX is XXXX below the maximum permitted for a credit score of XXXX XXXX post-closing reserves of XXX months far exceed the required XX months, and XXXX residual income of XXXX significantly surpasses the XXXX minimum. |  |  |  | 09/13/2025 | B | 2 | XXXX | OR | 3 | 1 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1676041 | XXXX | XXXX | 7159658 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX property in question is a rural estate spanning XX acres, featuring a barn, a stable, and an arena. |  | Approved with these compensating factors: XXXX XXXX XXXX is XXXX below the maximum permitted for a credit score of XXXX XXXX post-closing reserves of XXX months far exceed the required XX months, and XXXX residual income of XXXX significantly surpasses the XXXX minimum. |  |  |  | 09/13/2025 | B | 2 | XXXX | OR | 3 | 1 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1676042 | XXXX | XXXX | 7159659 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX XXXX XXXX XX guidlines, the borrower must have a minimum of XX tradelines, at least XX active, XXXX history of XX yrs. XXXX does not have the required amount. |  | Client XXXX with XXXX XXXX XXXX has been XXXX years self employed. XXXX residual income is XXXX XXXX has XXXX in residual income. XXXX reserves is XX months. XXXX has XXXX mo reserves. |  |  |  | 09/10/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676042 | XXXX | XXXX | 7159660 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX XXXX XXXX guidelines, the borrower is to have a minimum of XXX current mortgage /rental history. XXXX has lived rent free. |  | Client XXXX with XXXX XXXX XXXX has been XXXX years self employed. XXXX residual income is XXXX XXXX has XXXX in residual income. XXXX reserves is XX months. XXXX has XXXX mo reserves. |  |  |  | 09/10/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676042 | XXXX | XXXX | 7159661 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, all appraisals must be XXXX approved. |  | Client XXXX with XXXX XXXX XXXX has been XXXX years self employed. XXXX residual income is XXXX XXXX has XXXX in residual income. XXXX reserves is XX months. XXXX has XXXX mo reserves. |  |  |  | 09/10/2025 | B | 2 | XXXX | GA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676043 | XXXX | XXXX | 7159662 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX than XXX payment shock. XXXX request XXXX shock over XXXX due to borrower owning current XXXX free and clear |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX over minimum XXXX XXXX required, XXXX XXXX history with no derogs, XXXX mortgage history XX lates. |  |  |  | 09/15/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676043 | XXXX | XXXX | 7159663 | 270 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | XXXX amounts over XXXX require a XXXX XXXX | Received XXXX appraisal |  |  | 09/16/2025 |  |  | A | 1 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676043 | XXXX | XXXX | 7159664 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX are required to be done by different appraisal companies |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX over minimum XXXX XXXX required, XXXX XXXX history with no derogs, XXXX mortgage history XX lates. |  |  |  | 09/15/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676043 | XXXX | XXXX | 7159665 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX XXXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX over minimum XXXX XXXX required, XXXX XXXX history with no derogs, XXXX mortgage history XX lates. |  |  |  | 09/15/2025 | B | 2 | XXXX | UT | 1 | 1 | C | B | C | B | A | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1676044 | XXXX | XXXX | 7159666 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, the minimum size of the subject property must be XXXX XXXX XXXX is smaller than XXXX XXXX |  | Client XXXX with XXXX XXXX XXXX current mortgage history. XX mo reserves are required, XXXX have XXXX mo. XXXX XXXX is XXXX loan XXXX is XXXX |  |  |  | 09/16/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676046 | XXXX | XXXX | 7159667 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX property is XXXX XXXX XXXX XXXX property to be approved by XXXX XXX |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX is below max allowed of XXXX XXXX XXXX history no lates, XXXX credit depth of XXXX XXXX credit with XXXX XXXX over min required of XXX |  |  |  | 09/12/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676046 | XXXX | XXXX | 7159668 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX XXXX required to approve XXXX XXXX not XXXX approved appraiser |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX is below max allowed of XXXX XXXX XXXX history no lates, XXXX credit depth of XXXX XXXX credit with XXXX XXXX over min required of XXX |  |  |  | 09/12/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676047 | XXXX | XXXX | 7159669 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX approval required for accepting a loan modification filed under XXX months on an existing mortgage. XXXX modification was filed in XXXX |  | Approval granted for a loan modification on an existing mortgage filed less than XXX months ago. XXXX factors are XXXX XXXX payment history back to XXXX on all installment and revolving debt, XXXX post-closing reserves are XXXX months which exceed the required XX month minimum XXXX residual income of XXXX exceeds the required XXXX minimum. |  |  |  | 09/16/2025 | B | 2 | XXXX | AZ | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676048 | XXXX | XXXX | 7159670 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX borrower to utilize XXXX of business assets to close since spouse is other owner. |  | COMPENSATING XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX is below max allowed of XXXX XXXX has good job time of XXXX XXXX XXXX of XXXX is less than max allowed of XXXX |  |  |  | 09/12/2025 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676048 | XXXX | XXXX | 7159671 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XX XXXX reserves required only XXXX verified after closing |  | Received exception approval for XXX months reserves. XXXX XXXX = XXXX of XXXX is below max allowed of XXXX XXXX has good job time of XXXX XXXX XXXX of XXXX is less than max allowed of XXXX residual income XXXX |  |  |  | 09/15/2025 | B | 2 | XXXX | MI | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676049 | XXXX | XXXX | 7159672 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for XXXX loan is XXXX borrower has XXXX |  | client waived with compensating factors: XXXX has XX years of credit depth, XX years of mortgage history with no derogatory marks. XXX months reserves after closing. |  |  |  | 09/15/2025 | B | 2 | XXXX | MO | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676055 | XXXX | XXXX | 7159690 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX for XXXX XXXX XXXX loans reflect XXXX properties are ineligible. XXXX XXXX approval was provided for the subject being rural, but was determined to be invalid due to the fact the guidelines reflect the XXXX property must have all weather roads. XXXX appraisal provided reflected the subject does not have all weather roads, only dirt roads. XXXX a formal exception for the subject property being XXXX with dirt roads. |  | Exception approval received for XXXX XXXX XXXX and not rented. XXXX reflects XXXX XXXX not dirt. compensating XXXX - low XXXX XXXX under max XXXX of XXXX excellent reserves over XXXX months when only XXX month required, experienced investor, excellent mortgage history XXXX isolated late |  |  |  | 09/22/2025 | B | 2 | XXXX | MT | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676124 | XXXX | XXXX | 7159847 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX subject property is cited as being in a rural area. |  | Client waived with compensating factors: XXXX XXXX of XXXX is well below the program maximum of XXXX for a credit score of XXXX XXXX residual income of XXXX significantly exceeds the program minimum of XXXX XXXX XXXX-term ownership of the current primary residence for XXX years, free of any mortgages. |  |  |  | 09/17/2025 | B | 2 | XXXX | NH | 1 | 1 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1676124 | XXXX | XXXX | 7159848 | 384 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | XXXX borrower has been self-employed less than the required XX years. |  | Client waived with compensating factors: XXXX XXXX of XXXX is well below the program maximum of XXXX for a credit score of XXXX XXXX residual income of XXXX significantly exceeds the program minimum of XXXX XXXX XXXX-term ownership of the current primary residence for XXX years, free of any mortgages. |  |  |  | 09/17/2025 | B | 2 | XXXX | NH | 1 | 1 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1676124 | XXXX | XXXX | 7159849 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX disposition and action on a XXXX charge-off from XXXX XXX XXXX |  | Client waived with compensating factors: XXXX XXXX of XXXX is well below the program maximum of XXXX for a credit score of XXXX XXXX residual income of XXXX significantly exceeds the program minimum of XXXX XXXX XXXX-term ownership of the current primary residence for XXX years, free of any mortgages. |  |  |  | 09/17/2025 | B | 2 | XXXX | NH | 1 | 1 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1676124 | XXXX | XXXX | 7159850 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX shock of XXXX exceeds the program maximum of XXXX |  | Client waived with compensating factors: XXXX XXXX of XXXX is well below the program maximum of XXXX for a credit score of XXXX XXXX residual income of XXXX significantly exceeds the program minimum of XXXX XXXX XXXX-term ownership of the current primary residence for XXX years, free of any mortgages. |  |  |  | 09/17/2025 | B | 2 | XXXX | NH | 1 | 1 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1676125 | XXXX | XXXX | 7159949 | 437 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXX per XXXX guidelines, all jobs must have a verbal XXXX completed and dated XXX business days or less prior to the note date. | Received XXX day XXXX |  |  | 09/10/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1676150 | XXXX | XXXX | 7159945 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX borrower is receiving proceeds from the previous residence from the spouse in a divorce with no separation agreement or divorce decree. |  | Client waived with compensating factors: XXXX borrower's XXXX is XXXX with the required XXXX of XXXX XXXX residual income is XXXX with the required at XXXX and the borrower has been self-employed for XX years and the requirement is XX years. |  |  |  | 09/17/2025 | B | 2 | XXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676150 | XXXX | XXXX | 7159946 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXX XXXX XXXX XXXX from sale of the previous residence located at XXXX XXXX XXXX XXXX XXX XXXX as per the guideline for XXXX XXXX XX program the source of funds for closing must be provided. XXXX the final closing disclosure with proceeds in the amount of XXXX and evidence that the borrower received XXXX of the proceeds or XXXX | CD provided |  | Client 09/22/2025 03:21 PM; Uploaded the XXXX and final XXX for the sale of XXXX XXXX XXXX – <br> XXXX would have been on the same day so would not have been deposited in the borrowers account – would have just been transferred/ XXXX from one aXXXX to the other. <br> XXXX is a letter in file stating they will be split XXXX as part of their separation (no agreement in place) <br>Reviewer 09/23/2025 05:53 AM; Condition has been reviewed. XXX<br>| 09/23/2025 |  |  | A | 1 | XXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676150 | XXXX | XXXX | 7159947 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX payment shock exceeds the maximum of XXXX per the XXXX XXXX XX program. XXXX borrower was not on the mortgage of the previous residence. |  | Client waived with compensating factors: XXXX borrower's XXXX is XXXX with the required XXXX of XXXX XXXX residual income is XXXX with the required at XXXX and the borrower has been self-employed for XX years and the requirement is XX years. |  |  |  | 09/23/2025 | B | 2 | XXXX | MN | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676153 | XXXX | XXXX | 7159918 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX within XXX days of the note missing from the file. XXXX required per XXXX XXXX XXXX | Received XXX day XXXX |  |  | 09/15/2025 |  |  | A | 1 | XXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1676153 | XXXX | XXXX | 7159919 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX values require senior management approval. XXXX management approval is missing from the file. |  | Exception approval received for declining values/ XXXX XXXX - XXXX XXXX above minimum XXXX of XXXX XXXX mortgages paid as agreed, not a XXXX time home-buyer. |  |  |  | 09/15/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1676153 | XXXX | XXXX | 7159920 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX length transaction requires senior management approval. XXXX XXXX are purchasing the property from mother. XXXX of equity is reflected on the XXXX |  | Compensating factors: XXXX XXXX above minimum XXXX of XXXX XXXX mortgages paid as agreed, not a XXXX time homebuyer. |  |  |  | 09/12/2025 | B | 2 | XXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1676153 | XXXX | XXXX | 7159922 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 09/23/2025 |  |  | A | 1 | XXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1676169 | XXXX | XXXX | 7159980 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, no rural properties are allowed. XXXX is XXXX |  | Client XXXX with XXXX XXXX XXXX on mortgage just paid off through XXXX loan. XX months reserves required, XXXX has XXXX months. XXXX income of XXXX when XXXX is required. |  |  |  | 09/19/2025 | B | 2 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1676173 | XXXX | XXXX | 7160006 | 318 | XXXX | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | XXXX the executed copy of the final settlement statement from the XXXX on the borrower's primary residence XXXX XXXX XXXX XXX , XXXX XXX XXXX to source the large deposit of XXXX on XXXX XXXX in file was not the executed copy. | Closing XXXX provided for XXXX on XXXX XXXX XXXX XXXX XXXX XXX XXXX XXXX date XXXX and cash in hand XXXXX |  |  | 09/03/2025 |  |  | A | 1 | XXXX | AL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1676190 | XXXX | XXXX | 7160033 | 215 | XXXX | Credit | HUD1 |  | HUD1 - HUD1 Other |  | XXXX provide the final XXXX settlement statement with updated settlement & disbursement dates. | Information provided |  |  | 08/25/2025 |  |  | A | 1 | XXXX | NJ | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1676192 | XXXX | XXXX | 7160034 | 431 | XXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX is short total funds to close and reserves. XXXX final funds to close are XXXX and the required reserves are XXXX XXXX loan file contained verified funds totaling XXXX which leaves a shortage of XXXXX XXXX additional asset statement with an available balance of XXXX that was used in qualification. | Received XXXX statement |  |  | 08/22/2025 |  |  | A | 1 | XXXX | NJ | 3 | 1 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1676204 | XXXX | XXXX | 7160064 | 350 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | XXX per XXXX XXXX XXXX guidelines, the maximum XXXX for a cash out refi with a XXXX score is XXXX XXXX XXXX exceeds XXXX |  | Client XXXX with XXXX XXXX XXXX of XXXX mo vs XX mo requires. XXXX income of XXXX vs required XXXX XXXX has XXXX years of self employment. |  |  |  | 09/22/2025 | B | 2 | XXXX | AZ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676210 | XXXX | XXXX | 7160075 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for borrower receiving > XXXX cash out with a XXXX XXXX XXXX guideline requirement maximum XXXX is XXXX when cash out exceeds XXXX |  | Compensating factors: XXXX greater than XXXX XXXX XXXX points over minimum matrix tier. |  |  |  | 07/05/2025 | B | 2 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676250 | XXXX | XXXX | 7160143 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines for a XXXX time investor, a borrower must have XX trades of XXXX or more open XXX mo or more. |  | Client XXXX with XXXX XXXX XXXX cash down totaling XXXXX XXXX credit user. XXXX does not have a mortgage/rental payment. |  |  |  | 09/08/2025 | B | 2 | XXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676251 | XXXX | XXXX | 7160169 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX XXXX guidelines, to use short term rental income, it must be XXXX months. XXXX has less than XXX months. |  | Client XXXX with XXXX XXXX XXXX of XXXX mo vs XX mo requires. XXXX mortgage history of XXXX XXXX has XXXX years of self employment. |  |  |  | 09/22/2025 | B | 2 | XXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676251 | XXXX | XXXX | 7160170 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX houses are an unacceptable property type. XXXX the appraisal, the subject is rented per bedroom with varying lease lengths. XXXX subject is a XXXX XXXX where each room is rented separately with a common kitchen and common bathrooms. XX units have private bathrooms. XXXX are connected, there are no separate units in the subject. |  | Received exception approval from XXX XXXX for XXXX and XXXX XXXX property. XXXX XXXX XXXX of XXXX mo vs XX mo requires. XXXX mortgage history of XXXX XXXX has XXXX years of self employment |  |  |  | 09/23/2025 | B | 2 | XXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1671791 | XXXX | XXXX | 7159712 | 861 | XXXX | Compliance | Note |  | Note - Other: |  | XXXX street address on note XXXX XXXX is not matching with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX |  |  | Reviewer 08/08/2025 01:25 PM; Please provide corrected XXXX and XXXX with address of XXXX XXXX XXXX XX XXXX to re-record the XXXX will be required<br>Reviewer 08/11/2025 08:30 AM; Title reflects XXXX XXXX XXXX and XXXX do not reflect XXXX or XXXX XXXX on XXXX and XXXX need to match the address refelcted on title. XXXX provide corrected XXXX and XXX<br>Client 08/11/2025 05:27 PM; Hi, per our legal team, this finding is immaterial as the legal description is what matters. XXXX<br>Reviewer 08/12/2025 04:23 AM; <br>Reviewer 08/12/2025 04:59 PM; Hello <br> XXXX has been updated. <br>XXXX<br>|  |  | 08/12/2025 | B | 2 | XXXX | CA | 1 | 1 | D | B | D | B | C | B | A | A |  | Non-QM | 1 |
| 1671918 | XXXX | XXXX | 7152390 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX an updated final approval to list the payment shock as an exception. XXXX guideline permits XXXX XXXX above XXXX with senior management approval, not to exceed XXXX under the XXXX XXXX XXXX XXXX XX program. XXXX payment shock on this loan is XXXX which needs to be written as an exception. |  | Client waived with XXXX XXXX XXXX XXXX XXXX XXXX reserves after close XXXX XXXX months) | Client 08/12/2025 05:55 PM; Departing residence owned free and clear. XXXX<br>Reviewer 08/13/2025 02:53 PM; Condition has been reviewed. XXX<br>|  |  | 08/13/2025 | B | 2 | XXXX | NV | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1671943 | XXXX | XXXX | 7152444 | 904 | XXXX | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | XXXX the final closing disclosure for the sale of the borrowers property at XXXX XXXX XXXX XXXX XXX XXXX with proceeds of XXXX | Received final XX |  | Reviewer 08/11/2025 06:14 PM; Received wire transfer for XXXX XXXX the final XXX to reflect XXXX XXXX XXXX has sold and not refinanced.<br>| 08/14/2025 |  |  | A | 1 | XXXX | VA | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1671982 | XXXX | XXXX | 7152796 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX must meet reserve requirement on subject after funds used for purchase of XXXX XXXX XXXX XXXX XXX are verified | Subject property closed XXXX and XXXX XXXX closed XXXX XXXX were available on XXXX from refinance of primary home |  | Reviewer 07/18/2025 01:41 PM; Document received was the XXXX XX legal address <br>Reviewer 07/22/2025 04:07 PM; Provide XXX for purchase of XXXX XXXX XXXX<br>Client 07/23/2025 03:28 PM; Updated XXXX to XXXX and XXXX XXX for the other property uploaded to file. XXXX you. <br>Reviewer 07/24/2025 04:28 AM; Condition has been reviewed. XXX<br>| 07/23/2025 |  |  | A | 1 | XXXX | AL | 1 | 13 | C | B | C | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674106 | XXXX | XXXX | 7155653 | 101 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | XXXX XXXX of XXXX reflected the subject property was in XXXX county; however, the legal description reflected the subject property was in XXXX of XXXX county. XXXX provide updated XXXX of XXXX and a XXXX of XXXX to XXXX |  | non-material | Client 08/25/2025 11:12 AM; Title has confirmed the mortgage is still valid as is. XXXX you. <br>Reviewer 08/25/2025 11:37 AM; <br>Reviewer 08/25/2025 03:43 PM; Escalation has been assigned for XXXX XXXX<br>Reviewer 08/25/2025 03:53 PM; Hello <br> XXXX has been updated and will reflect as a XX grade. <br>XXXX<br>|  |  | 08/25/2025 | B | 2 | XXXX | VA | 1 | 1 | C | B | A | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1675037 | XXXX | XXXX | 7157459 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX is less than XXXX XXXX application is missing borrower employment information as required by guidelines when XXXX is less than XXX | Received XXXX with employment information |  | Reviewer 08/24/2025 12:31 PM; Document received was the XXXX delivery label and not employment information<br>| 08/25/2025 |  |  | A | 1 | XXXX | DE | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675054 | XXXX | XXXX | 7157502 | 340 | XXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXXX policy in file is for a different property. XXXX property is XXXX XX XXXX XXXX XXXX and insurance policy is for XXXX XX XXXX XXXX XXXX | Policy covers XXXX XXXX & XXXX XXXX XXXX XXXX |  | Reviewer 08/21/2025 12:02 PM; The insurance received is for XXXX XXXX XXXX XXXX XXXX property is XXXX<br>Client 08/22/2025 03:36 PM; Per provided insurance broker email, XXXX property is XXXX XX XXXX XXXX XXXX is included in the coverage. XXXX you. <br>Reviewer 08/25/2025 04:53 AM; Condition has been reviewed. XXX<br>| 08/25/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675287 | XXXX | XXXX | 7158089 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXX a XXXX rental history and verification of a monthly payment of XXXX | Received revised XXXX |  | Reviewer 08/12/2025 11:10 AM; Received checks for XXXX payable to XXXX XXXX XXXX XXXX reflects rent of XXXX XXXX clarification<br>| 09/10/2025 |  |  | A | 1 | XXXX | WI | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675513 | XXXX | XXXX | 7158547 | 396 | XXXX | Credit | UW Credit |  | UW Credit - UW - Manual Credit Report Incomplete/Missing |  | XXXX credit report for XXXX and XXXX XXXX | Credit report received and reviewed. |  | Reviewer 09/09/2025 03:58 PM; Please let u/w know when the credit report is received for review. <br>| 09/10/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1675513 | XXXX | XXXX | 7158550 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX final closing disclosure for bridge loan for XXXXX | Document has been received. |  | Reviewer 09/10/2025 04:39 PM; Document received for XXXXX XXXX returned to XXXX XXX for review<br>| 09/11/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1676006 | XXXX | XXXX | 7159603 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX months mortgage payments were not provided through cancelled checks. XXXX contains a ledger printout that does not contain the XXXX logo or a XXXX representative signature showing authenticity of the document. | Property was quit claimed XXXX to borrower and she has been making payments. XXXX verified |  | Client 09/17/2025 12:38 PM; Document is print out from the XXXX, XXXX name is stamped at the bottom of the page. XXXX in file supports the account is legitimate and the mortgage statement reflecting mortgage is current also supports. XXXX<br>Reviewer 09/18/2025 04:20 AM; Condition has been reviewed. XXX<br>| 09/17/2025 |  |  | A | 1 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676009 | XXXX | XXXX | 7159609 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX per XXXX guidelines, XXX the subject property was acquired XX months or less from the application date then the lesser of the appraisal value or previous purchase XXXX plus documented improvements must be used. XXXX application date was prior to XX months. XXXX date was XXXX |  | Client XXXX with XXXX XXXX management approval to use appraised value, required reserves is XX months. XXXX has XXXX mo. reserves. XXXX on current primary residence. XXXX investor with XX properties. | Reviewer 09/19/2025 11:37 AM; Received approval; however, the exception for ownership of less than XX months was not reflected.<br>Client 09/19/2025 11:45 AM; Finding is unclear. XXX this a question of how XXXX the borrower has owned subject property or the valuation we used for it? XXXX loan approval reflects senior management's approval to use appraised value. XXXX you. <br>Reviewer 09/19/2025 12:57 PM; Condition has been reviewed. XXX<br>|  |  | 09/19/2025 | B | 2 | XXXX | SC | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676153 | XXXX | XXXX | 7159921 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX tolerance violation of XXXX due to increase in XXXX XXXX XXXX XXXX provide proof of refund, XXXX to borrower and a XXXX reflecting cure. XXXX must be provided withn XXX days of closing | Information provided |  | Reviewer 09/22/2025 09:02 AM; Documentation provided has already been provided and will not clear def. XXXX is corrected<br>| 09/23/2025 |  |  | A | 1 | XXXX | WA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1676169 | XXXX | XXXX | 7159981 | 438 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing pay stub |  | XXX XXXX will be starting a new job after the loan closed, no XXXX paycheck as proof of start of employment has been provided. |  | Client XXXX with XXXX XXXX management approval of employer's letter, XXXX on mortgage just paid off through XXXX loan. XX months reserves required, XXXX has XXXX months. XXXX income of XXXX when XXXX is required. | Client 09/23/2025 12:30 PM; Unclear why this document is being requested. XXXX qualified with borrower's employment situation in mind, and loan approval reflects management approval of employer's letter. XXXX you. <br>Reviewer 09/23/2025 01:00 PM; Condition has been reviewed. XXX<br>|  |  | 09/23/2025 | B | 2 | XXXX | FL | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1676172 | XXXX | XXXX | 7160004 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX guidelines for refinance transactions when the qualified/utilized current active lease is higher than the market rent provide evidence of the XX months recent consecutive months of rent received and a copy of the fully executed active lease. XXXX leases provided in the loan file does not reflect the borrower as the landlord. XXXX missing is evidence of two months rent, cash receipts were provided but evidence the borrower deposited the rents confirming receipt of the cash rent was not documented. | Guidelines require receipt of rent; they do not require the funds are deposited into an account. |  | Reviewer 08/27/2025 03:59 PM; Document provided was the management agreement. did not receive evidence of two months rent, cash receipts were provided but evidence the borrower deposited the rents confirming receipt of the cash rent was not documented.<br>Client 09/02/2025 07:51 AM; Guidelines require receipt of rent; they do not require the funds are deposited into an account. <br>Reviewer 09/02/2025 08:30 AM; Condition has been reviewed. XXX<br>| 09/02/2025 |  |  | A | 1 | XXXX | OH | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1676250 | XXXX | XXXX | 7160141 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXX per XXXX XXXX guidelines, gift funds are not allowed unless approved by XXX management. |  | Received exception approval for allowing gift on XXXX XXXX XXXX - XXXX down, XXXX inheritance from XXXX XXXX located near XXXX XXXX XXXX base which helps with rental market. | Reviewer 09/10/2025 05:17 PM; Document received did not include an exception for gift funds<br>Reviewer 09/14/2025 10:45 AM; Document received was the XXXX XX and does not clear this condition<br>Reviewer 09/22/2025 08:43 PM; Received exception approval for allowing gift on XXXX provide the exception approval with all compensating factors in the space provided on approval form<br>Reviewer 09/23/2025 10:38 AM; Document received did not include compensating factors in the space provided <br>|  |  | 09/23/2025 | B | 2 | XXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676250 | XXXX | XXXX | 7160144 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX per XXXX guidelines for a XXXX time investor, a XXX mo mortgage history is required. XXX mortgage (or rental history) in file. |  | Received exception approval for XXXX time investor with no housing history on XXXX XXXX XXXX - XXXX down, XXXX inheritance from XXXX XXXX located near XXXX XXXX XXXX base which helps with rental market. | Reviewer 09/14/2025 10:45 AM; Document received was the XXXX XX and does not clear this condition<br>Reviewer 09/22/2025 08:46 PM; Received exception approval for XXXX time investor with no housing history on XXXX provide the exception approval with all compensating factors in the space provided on approval form<br>Reviewer 09/23/2025 10:38 AM; Document received did not include compensating factors in the space provided <br>|  |  | 09/23/2025 | B | 2 | XXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675287 | XXXX | XXXX | 7158086 | 205 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | XXXX street address on XXXX XXXX XXXX XXXX XXXX is not matching with XXXX XXXX XXXX XXXX |  |  | Client 08/11/2025 04:46 PM; Hi, address on title confirms note is correct. XXXX<br>Reviewer 08/12/2025 04:22 AM; <br>Reviewer 08/12/2025 01:07 PM; Hello <br> XXXX you for confirming, hazard policy with correct address is needed. <br>XXXX<br>| 09/11/2025 |  |  | A | 1 | XXXX | WI | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675303 | XXXX | XXXX | 7158172 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX provide an updated approval to change the exception for waiving XX months in reserve funds. XXXX borrower is short XXXX months in reserves or XXXX |  | Client waived with compensating factors: XXXX XXXX XX XXXX XXXX for purchase loans with a credit score > XXXX and XXXX XXXX & <= XXXX with XX month waived, loan meets guidelines. XXXX XXXX XXXX months) | Client 09/11/2025 10:30 AM; X month reserves waived is accurate. XXXX clear. XXXX you. <br>Reviewer 09/11/2025 11:29 AM; Condition has been reviewed. XXX<br>|  |  | 09/11/2025 | B | 2 | XXXX | OR | 1 | 1 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676124 | XXXX | XXXX | 7159852 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX number of acres per guidelines is XXX acres. XXXX has XXX acres. |  | Exception approval received for XXX acres. compensating factors: XXXX XXXX of XXXX is well below the program maximum of XXXX for a credit score of XXXX XXXX residual income of XXXX significantly exceeds the program minimum of XXXX XXXX XXXX-term ownership of the current primary residence for XXX years, free of any mortgages. | Reviewer 09/19/2025 11:51 AM; Document received is not legible<br>|  |  | 09/22/2025 | B | 2 | XXXX | NH | 1 | 1 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1671843 | XXXX | XXXX | 7152228 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX bridge loan XXX is missing from the loan file. XXXX received, please send to original XXX for review. | Bridge XXX XXXX and reviewed |  | Reviewer 08/12/2025 10:20 AM; Received bridge loan XXX and file returned to XXXX XXXX<br>| 08/12/2025 |  |  | A | 1 | XXXX | CO | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1671982 | XXXX | XXXX | 7152795 | 758 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | XXXX of XXXX for XXXX XXXX XXXX XXXX XXXX XXXX was not disclosed in loan file, however it appeared on the final XXXX XXX property was recently acquired, XXX is required. | Received final XXX after close of subject property with monthly payment |  | Reviewer 07/22/2025 04:08 PM; Did not receive the documents to verify the XXXX for purchase of XXXX XXXX XXXX<br>| 07/23/2025 |  |  | A | 1 | XXXX | AL | 1 | 13 | C | B | C | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671982 | XXXX | XXXX | 7152798 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX of relocation with XXXX income and continuance of income missing from file. | Due to a hiring freeze borrower did not relocate |  | Client 07/22/2025 02:21 PM; When we received this loan this was originally a bridge loan, the borrower works for the XXXX and was transferring to a new position from XXX to XXXX XXXX was a hiring freeze placed and the borrower is having to wait until the freeze is lifted to move to XXX so they are keeping their current primary. XXXX did not want to lose the new property they were purchasing, so this XXXX XXX XXXX was changed to a cash-out refi and the purchas<br>Reviewer 07/22/2025 04:47 PM; Condition has been reviewed. XXX<br>| 07/24/2025 |  |  | A | 1 | XXXX | AL | 1 | 13 | C | B | C | A | C | B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1674436 | XXXX | XXXX | 7156184 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX borrower has less than the required XX months reserves. XXXX borrowers assets totaled XXXX required reserves are XXXX XXXX XXXX XXXX clarify that the borrowers personal XXXX account with XXXX XXXX is in the borrowers possession. XXXX divorce decree indicates it belongs to the ex-spouse XXXX XXXX |  | Client waived short reserves with the compensating factors: living in primary for XXX years, good XXXX for XXX years, XXXX XXXX no derogatory, subject owned free and clear, low XXXX of XXXX | Client 08/11/2025 11:39 AM; Hi, per separation agreement, the spouse only gets the savings account. XXX used the checking account for income. XXXX<br>Reviewer 08/11/2025 12:23 PM; PITIA XXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX checking XXXX<br>Reviewer 08/11/2025 12:23 PM; PITIA XXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX checking XXXX<br>|  |  | 09/03/2025 | B | 2 | XXXX | UT | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675026 | XXXX | XXXX | 7159756 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. | Information provided |  | Reviewer 08/20/2025 02:55 PM; NO documentation provided<br>| 08/21/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675053 | XXXX | XXXX | 7157498 | 378 | XXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXX the XXXX is below XXX as per guidelines, the employment section (excluding income) must be fully completed. | $XXXX.XX/$XXXX.XX XXXX XXXX is included in the XXXX blanket policy included in one of the XX units |  | Client 08/25/2025 02:03 PM; Rent is XXXX per lease, XXXX has market rents of XXXX XXXX a of XXXX XXXX XXXX is XXXX XXXX you. <br>Reviewer 08/25/2025 09:45 PM; Condition has been reviewed. XXX<br>| 08/25/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675116 | XXXX | XXXX | 7157624 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXXX guidelines XX months reserves are required. XXXX has XXXX months reserves. | Per pricing sheet: XX XXXX XXXX for purchase loans with a credit score > XXXX and XXXX <= XXXX XXXX is within guidelines. XXXX was XXXX |  | Client 09/09/2025 12:19 PM; Per pricing sheet: XX XXXX XXXX for purchase loans with a credit score > XXXX and XXXX <= XXXX XXXX is within guidelines. XXXX you, <br>Reviewer 09/09/2025 03:50 PM; Condition has been reviewed. XXX<br>| 09/09/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1675746 | XXXX | XXXX | 7158986 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX is failing XXXX tolerance for the increase in the XXXX fee in XXXX XX of the XXXX XXXX XXXX XXXX for this date does not give a valid reason for this fee increase. XXXX amount is XXXX XXXX a XXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. |  |  | Client 08/28/2025 03:21 PM; LMC XXXX is requesting further clarification regarding this finding. XXXX you please detail how this refund amount was determined? XXXX you. <br>Reviewer 08/28/2025 04:04 PM; <br>Reviewer 08/29/2025 11:17 AM; Hello <br> XXXX XXX disclosed XXXX for the recording fee, the XXX disclosed XXXX XXXX x XXXX XXXX XXXX - XXXX = XXXX XXXX test has also been uploaded for review. XXXX please note that there is no valid coc in file for the increase in recording fees. <br>XXXX<br>Reviewer 09/02/2025 01:13 PM; COC provided does not give a valid reason the the increase. XXXX required<br>Client 09/03/2025 03:46 PM; We issued a valid change of circumstance that increased the recording fees noted in the finding. XXXX see XXXX uploaded XXXX XXXX state XXXXX requested updated fees. XXXX these type of findings, it is unclear what kind of verbiage would be sufficient to clear or avoid future findings moving forward. XXXX clear and/or clarify what is needed to avoid this in the future. XXXX you. <br>Reviewer 09/03/2025 04:36 PM; <br>Reviewer 09/04/2025 11:57 AM; Hello <br> XXXX fees are based on the number of pages. XXXX coc stating broker/borrower requested the fees is not a valid reason to increase the recording fee. XXXX needs to be more detail as to why the increase was needed, as is there is not enough information to support the increase in recording fee. <br>XXXX<br>Reviewer 09/12/2025 09:59 AM; No documentation provided<br>Reviewer 09/16/2025 11:43 AM; Cannot correct a XXX once it has been issued. XXXX XXXX XXX has already been provided. XXXX is required<br>Client 09/16/2025 01:46 PM; After review, we confirmed that the deed and mortgage recording fees themselves did not increase. XXXX variance arose because XXXX of recordation tax was misclassified under XXXX XXXX instead of being itemized separately under XXXXXX XXXX XXXX is a disclosure classification correction, not an increase subject to cure. XXXX was consistently over-disclosed, so no tolerance violation exists. XXX have provided a XXXX reflecting these<br>Reviewer 09/16/2025 02:31 PM; <br>Reviewer 09/17/2025 12:32 PM; Hello <br> XXXX has now been cleared. <br>XXXX<br>|  | 09/17/2025 |  | B | 2 | XXXX | MD | 1 | 1 | C | B | C | B | C | B | A | A |  | Non-QM | 1 |
| 1676006 | XXXX | XXXX | 7159602 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX of two years XXXXX history required, borrower has been self-employed XXXX years. |  | Client XXXX with XXXX XXXX XXXX has lived at primary residence XXXX years. XXXX XXXX of XXXX with stacked points when max XXXX is XXXX XXXX residual income when XXXX is required. |  |  |  | 09/17/2025 | B | 2 | XXXX | MA | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1676125 | XXXX | XXXX | 7159948 | 326 | XXXX | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | XXXX XXXXX shows a specific debt was to be paid prior to or through closing. XXX proof provided as not on closing XXX nor proof of payoff prior to closing. | Revised XXXX provided |  | Client 09/09/2025 07:07 PM; Please clarify which liability this was. XXXX you. <br>Reviewer 09/10/2025 05:04 AM; Debt to be paid per the XXXX is XXXX XXXX XXXX XXX<br>Reviewer 09/10/2025 05:05 AM; Debt to be paid per the XXXX is XXXX XXXX XXXX<br>Client 09/22/2025 01:48 PM; Updated XXXX now provided including payment. XXXX you. <br>Reviewer 09/22/2025 03:27 PM; Condition has been reviewed. XXX<br>| 09/22/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1676125 | XXXX | XXXX | 7159951 | 351 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | XXX per XXXX guidelines, the maximum XXXX for the XXXX XXXX XX program is XXXX XXXX XXXX exceeds XXXX | The XXXX for XXXX is paid for by someone else. XX months evidence has been provided. XXX XXXX = XXXXXX = XXXX |  | Client 09/22/2025 01:57 PM; Unclear how you are getting XXXX above XXXX XXXX XXXX is XXXX even with the XXXX payment from the other finding. XXXX confirm your calculations are including both incomes and the XXXX payment. XXXX you. <br>Reviewer 09/22/2025 03:06 PM; Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX XXXXXXX XXXX income from both jobs XXXXXX<br>Reviewer 09/22/2025 03:06 PM; Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX XXXXXXX XXXX income from both jobs XXXXXX<br>Client 09/22/2025 05:34 PM; The XXXX for XXXX is paid for by someone else. XX months evidence has been reuploaded to file. <br> XXX XXXX = XXXXXX = XXXX XXXX you. <br>Reviewer 09/23/2025 04:51 AM; Condition has been reviewed. XXX<br>| 09/23/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1676176 | XXXX | XXXX | 7160014 | 1109 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Third collateral evaluation is required. |  | XXXX valuation required. XXXX reflects XXXX XXXX with a XXXX variance. | Field XXXX provided |  | Client 08/06/2025 12:43 PM; Hi XXXX XXXX note the following XXXX guideline: XXXX a XXXX has a variance greater than XXXX but less than XXXX a field of view is only required if the file is attempting to use the higher of the values. XXX the XXXX variance his lower than an appraised value and the file uses the lower of the two values no additional diligence is required. XXXX so much. <br>Reviewer 08/06/2025 02:05 PM; A XXXX XXXX is required for XXXXX XXXX third valuation must be no more than XXXX variance from the appraised value. XXXX<br>Reviewer 08/06/2025 02:06 PM; A XXXX XXXX is required for XXXXX XXXX third valuation must be no more than XXXX variance from the appraised value <br>Client 08/08/2025 04:20 PM; Please advise where in our guidelines you are seeing this guideline as this is not a XXXX guideline. XXXX note the lower of the two values was used to calc the XXXX XXXX so much. <br>Reviewer 08/11/2025 04:19 AM; It is a XXXX requirement XXX<br>Client 08/15/2025 10:21 AM; Please see XXXX XXXX for your review with a less than XXXX variance. XXXX you. <br>Reviewer 08/15/2025 10:58 AM; The uploaded XXXX is rated "high risk", over XXXX variance and is not acceptable as a third valuation over the existing XXXX in file. XX field review or full appraisal is required as a third valuation to support the original appraisal. <br>Reviewer 08/15/2025 10:58 AM; The uploaded XXXX is rated "high risk", over XXXX variance and is not acceptable as a third valuation over the existing XXXX in file. XX field review or full appraisal is required as a third valuation to support the original appraisal.<br>Client 08/15/2025 11:46 AM; XXX XXXX XXXX for being a bug but quick question please. XXXX your last comments XXXX XXXX is over XXXX XXXX note it is not over XXXX but @ XXXX on the nose. XXXX that not be acceptable? XXXX so much for your assistance. <br>Reviewer 08/15/2025 02:10 PM; The uploaded XXXX is rated "high risk", XXXX variance and is not acceptable as a third valuation over the existing XXXX in file. XX field review or full appraisal is required as a third valuation to support the original appraisal. XXX<br>Client 09/05/2025 09:39 AM; Please find desk review value of XXXX XXXX you.<br>Reviewer 09/05/2025 10:29 AM; Condition has been reviewed. XXX<br>| 09/05/2025 |  |  | B | 2 | XXXX | NJ | 3 | 3 | C | B | A | A | N/A | N/A | C | B |  | Exempt | 1 |
| 1676250 | XXXX | XXXX | 7160140 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is a XXXX time investor. XXX per XXXX guidelines, a minimum XXXX score is required. |  | received exception approval for minimum score of XXXX on XXXX XXXX XXXX - XXXX down, XXXX inheritance from XXXX XXXX located near XXXX XXXX XXXX base which helps with rental market. | Reviewer 09/14/2025 10:45 AM; Document received was the XXXX XX and does not clear this condition<br>Reviewer 09/22/2025 08:50 PM; Did XXXX receive exception approval for minimum score of XXXX on XXXX provide the exception approval with all compensating factors in the space provided on approval form<br>Reviewer 09/23/2025 10:38 AM; Document received did not include compensating factors in the space provided <br>|  |  | 09/23/2025 | B | 2 | XXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1671778 | XXXX | XXXX | 7152085 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX cert shows XXXXXXX so total tax would be XXXX making monthly tax payments XXXX however on title and tax information sheet it shows taxes as XXXXX XXXX taxes updated to reflect the correct tax amount. | Received revised XXXX |  | Reviewer 08/12/2025 11:37 AM; Please provide a revised XXXX with total taxes of XXXX per month for subject property to match the approval XXXX<br>| 08/12/2025 |  |  | A | 1 | XXXX | NH | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1674076 | XXXX | XXXX | 7155597 | 870 | XXXX | Compliance | Appraisal |  | Appraisal - Other: |  | XXXX XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. | Information provided |  | Reviewer 08/21/2025 12:28 PM; No documentation provided<br>| 08/22/2025 |  |  | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1675287 | XXXX | XXXX | 7158085 | 184 | XXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | XXXX street address on XXXX XXXX XXXX XXXX XXX XXXX is not matching with XXXX XXXX XXXX XXXX | Information provided |  | Client 08/11/2025 04:46 PM; Hi, address on title confirms note is correct. XXXX<br>Reviewer 08/12/2025 04:23 AM; <br>Reviewer 08/12/2025 01:07 PM; Hello <br> XXXX you for confirming, flood cert with correct address is needed. <br>XXXX<br>| 09/02/2025 |  |  | A | 1 | XXXX | WI | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675294 | XXXX | XXXX | 7158125 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXX tolerance violation for addition of XXXX XXXX without a valid XXXX XXXX tolerance violation of XXXX XX refund in the amount of XXXX along with XXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  | Reviewer 08/29/2025 11:57 AM; COC provided does not give a valid reason for the addition of the appraisal review. XXXX is required<br>Client 08/29/2025 05:15 PM; COC directly addresses addition of appraisal reinspection fee. XXXX what would be needed to avoid this finding in the future. XXXX you. <br>Reviewer 09/01/2025 05:00 PM; <br>Reviewer 09/02/2025 12:27 PM; Hello <br> XXXX coc does not give a reason as to why the fee was added, it only states "adding appraisal reinspection fee". XXXX appraisal in file is as is and there is nothing noting why a reinspection was needed. <br>XXXX<br>| 09/11/2025 |  |  | A | 1 | XXXX | CA | 1 | 13 | C | A | A | A | C | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676124 | XXXX | XXXX | 7159851 | 399 | XXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | XXXX file is missing gift letter(s) for XXXX and proof that the funds were sent to the settlement agent on or before the closing date. XXXX final application indicates gift funds of XXXX sent to closing, but only three gift letters are on file, totaling XXXX along with verification of those funds. XXXX the additional XXXX in gift funds, the loan will fall short for closing and the required six months of reserves. | There was no gift for XXXX XXXX received a total of XX gifts. XXXX XXXX from XXXX XXXX XXXX from XXXX a. XXXX two checks were made out directly to the closing attorney – deposit slip from the closing attorney and verification they were holding the total of XXXX are in file. XXXX XXXX from XXXX – XXXX was wired to the borrower and deposited into their account. XXXX borrower then wired the gift with their own funds to the closing attorney prior to closing for XXXX |  | Client 09/22/2025 02:11 PM; There was no gift for XXXX <br>XXXX received a total of XX gifts. <br>XXXX from XXXX<br> XXXX from XXXX<br> a.These two checks were made out directly to the closing attorney – deposit slip from the closing atty and verification the were holding the total of XXXX are in file. <br> XXXX from XXXX – XXXX was wired to the borrower and deposited into their account. XXXX borrower then wired the gift with their own funds to <br>Reviewer 09/22/2025 03:56 PM; Condition has been reviewed. XXX<br>| 09/22/2025 |  |  | A | 1 | XXXX | NH | 1 | 1 | C | B | C | B | A | A | C | B |  | Non-QM | 1 |
| 1671950 | XXXX | XXXX | 7154781 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX signed and dated closing disclosure is missing for the recently funded XXXX bridge loan secured by the property at XXXX XXXX XXXX XXXX reflecting net loan proceeds of at least XXXX | Client indicates that a bridge loan was not funded. XX new deficiency has been added as the loan is short funds to close and to cover reserves |  | Reviewer 08/12/2025 09:18 AM; \*\*\*\*Return file to XXX for review\*\*\*\*<br>Client 08/12/2025 12:04 PM; Hi, there is no bridge. XXXX<br>Reviewer 08/12/2025 12:16 PM; Sent file to XXXX for reiew XXX<br>Client 08/14/2025 10:50 AM; Hi, could you please let us know if this will be cleared soon? XXXX<br>Reviewer 08/14/2025 01:21 PM; Since the previous XXXX stated there was not a XXXX a follow-up condition has been added due to short funds. XXXX <br>| 08/14/2025 |  |  | A | 1 | XXXX | MD | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1672359 | XXXX | XXXX | 7153281 | 317 | XXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | XXXX pre-closing XXXX is in file. XXXX final signed XXXX to show minimum proceeds of XXXX | Received signed XX |  | Reviewer 08/15/2025 03:59 PM; Hud XX from sale of previous owner owned property.<br>Reviewer 08/16/2025 11:59 AM; Received XXXX for XXXX XXXX provide the final XXX for sale of XXXX XXXX XXXX to reflect sale and not refinance.<br>| 08/19/2025 |  |  | A | 1 | XXXX | OH | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1674076 | XXXX | XXXX | 7155599 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXX XXXX XXXX XXXX appraisal. XXXX guidelines XX second appraisal is required in lieu of a XXXX XXXX with loan amounts greater than XXXX million for purchase money and refinance transactions. | Appraisal reviewed and system has been updated. |  | Reviewer 08/21/2025 05:50 PM; Please let u/w know when the appraisal is received for further review.<br>Reviewer 08/24/2025 12:25 PM; Document received and file returned to XXXX XXX for review<br>| 08/25/2025 |  |  | A | 1 | XXXX | HI | 1 | 1 | C | B | C | B | C | A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1674108 | XXXX | XXXX | 7155671 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is self-employed and is relocating from XXXX to XXXX with no history of self-employment in XXXX | Borrower provided a detailed letter of explanation for relocation of primary residence and business. |  | Client 08/28/2025 06:05 PM; Borrower has provided detailed letter of explanation for relocation of primary residence and business. XXXX should be sufficient to show borrower is capable of continuing work in a different state. XXXX you. <br>Reviewer 08/29/2025 10:06 AM; Condition has been reviewed. XXX<br>| 08/29/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1674366 | XXXX | XXXX | 7156109 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX borrower has been self-employed for XX year and XX months. XXXX XXXX XXXX XXXX XX XXXX XXXX program requires XX years self-employment in the same business. XXXX exception from client allowing less than XX years self-employment. | Signed XXXX in file shows borrower has been a franchise owner of XXXX XXXX since XXXX XXXX |  | Client 09/02/2025 06:12 PM; Signed XXXX in file shows borrower has been a XXXX of XXXX XXXX since XXXX XXXX XXXX you.<br>Reviewer 09/03/2025 04:25 AM; Condition has been reviewed. XXX<br>| 09/03/2025 |  |  | A | 1 | XXXX | UT | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1674436 | XXXX | XXXX | 7156183 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX clarification on XXXX accounts used for income. XXXX decree stated that XXXX XXXX accounts would be in possession of the ex spouse XXXX XXXX XXXX the XXXX accounts used for income have the ex-spouses name on them as well. XXXX XXXX approval that the documentation in file is useable for XXX months XXXX statement program. |  |  | Client 08/11/2025 11:39 AM; Hi, per separation agreement, the spouse only gets the savings account. XXX used the checking account for income. XXXX<br>Reviewer 08/11/2025 12:24 PM; Condition has been reviewed. XXX<br>| 08/11/2025 |  |  | A | 1 | XXXX | UT | 1 | 13 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1675053 | XXXX | XXXX | 7157500 | 352 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Eligible for escrow waiver |  | XXXX property has insurance as per guidelines but it does not show the payment (or partial payment for the master policy) as escrowed nor is there an escrow waiver. | HOI is included in the XXXX blanket policy included in one of the XX units |  | Client 08/25/2025 02:05 PM; We only have XXXX on XX of the condos as that the way it needed to be shown for closing/escrow purposes, it's a blanket policy covering all XX units. XXXX you. <br>Reviewer 08/25/2025 09:46 PM; Condition has been reviewed. XXX<br>| 08/25/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1675058 | XXXX | XXXX | 7162521 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX is failing XXX tolerance for the increase in the XXXX XXXX XXXX in XXXX XX of final XXXX XXXX amount is XXXX XXXX a XXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. | PCCD provided |  | Reviewer 08/15/2025 01:38 PM; CD provided is not for this property<br>|  | 10/09/2025 |  | B | 2 | XXXX | NC | 1 | 1 | C | B | A | A | C | B | A | A |  | Non-QM | 1 |
| 1675100 | XXXX | XXXX | 7157569 | 262 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Report Missing |  | XXXX amount is over XXXX million dollars and requires XX appraisals, only one appraisal was provided. XXXX appraisal for XXXXX | Second full appraisal provided |  | Reviewer 09/04/2025 08:32 AM; Please let underwriter know when the appraisal is received so it can be reviewed.<br>| 09/04/2025 |  |  | A | 1 | XXXX | CA | 3 | 3 | D | B | C | B | N/A | N/A | D | A |  | Exempt | 1 |
| 1675287 | XXXX | XXXX | 7158090 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXX allows max XXXX XXXX with a XXXX XXXX XXXX is XXXX with a XXXX XXXX (> XXX points for XXXX XXXX approval). XXXX loan approval required to reflect exception approval for XXXX XXXX with a XXXX XXXX | Management approval documented on loan summary approval. XXXX approved the XXXX / XXXX combination |  | Client 08/12/2025 11:45 AM; Hi, management approval documented on loan summary approval. XXXX approved the XXXX / XXXX combination. XXXX<br>Reviewer 08/12/2025 12:10 PM; Condition has been reviewed. XXX<br>| 08/12/2025 |  |  | A | 1 | XXXX | WI | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1675513 | XXXX | XXXX | 7158545 | 967 | XXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | XXXX XXXX XXXX dated XXXX reflected the disbursement date as XXXX however, the XXXX of XXXX was signed on XXXX XXXX a XXXX with corrected disbursement and funding dates to be on or after XXXX | Information provided |  | Reviewer 09/09/2025 06:37 AM; CD for bridge loan provided. XXXX XXXX for the primary loan.<br>Reviewer 09/11/2025 08:06 AM; No documentation provided. XXXX XXXX with corrections for the primary loan<br>Client 09/11/2025 12:46 PM; Hi, final settlement statement with disbursement date has been provided. XXXX<br>Reviewer 09/11/2025 01:32 PM; <br>Reviewer 09/11/2025 03:04 PM; Hello <br> XXX will not cure this. XXXX XXXX with correct dates. <br>XXXX<br>Client 09/11/2025 03:55 PM; Hi, is this an XXXX grade? XXX so, please waive. XXXX<br>Reviewer 09/11/2025 04:59 PM; <br>Reviewer 09/12/2025 12:30 PM; Hello <br> XXXX will grade as a XXXX as is without the XXXX XX not cleared this. <br>XXXX<br>| 09/15/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1675513 | XXXX | XXXX | 7158548 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX final bridge cd for XXXX and XXXX XXXX | Closing disclosure for bridge loan XXXX has been provided. |  | Reviewer 09/09/2025 03:58 PM; Please let u/w know when the final bridge cd is received for review. <br>Reviewer 09/09/2025 07:39 PM; File returned to XXXX XXX for review of XXXX XX<br>Reviewer 09/10/2025 07:43 AM; The XXXX XXX has already been provided and will not clear def. XXXX XX reflects interest collected from XXXX to XXXX XXXX closed on XXXX XXXX fund before loan closes. XXXX provide a XXXX with corrections<br>Reviewer 09/10/2025 09:05 AM; Final bridge cd has not been received for XXXX XXXX in the amount of XXXX<br>| 09/10/2025 |  |  | A | 1 | XXXX | CA | 1 | 1 | D | A | D | A | A | A | A | A |  | Non-QM | 1 |
| 1676012 | XXXX | XXXX | 7159730 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX letter verifying XXXX % of ownership in XXXX XXXX XXXX missing from the file. XXXX XXXX XXXX is a family-owned business. XXX XXXX was elevated to XXXX XXXX with a salary of XXXX XXXX is no verification in the file that the XXXX owns < XXXX and is not considered newly self-employed. XXX addition, taxes and XXXX deductions are not reflected on the paystubs. | Borrower is only a XXX employee and is less than XXXX owner. XXXX loan approval, XXXX have no state income tax taken out in XXXX XXXX XXXX was ok with no federal taxes withdrawn based on borrower XXXX for deductions |  | Client 09/18/2025 05:42 PM; Borrower is only a XXX employee and is less than XXXX owner. XXXX loan approval, XXXX have no state income tax taken out in tx. XXXX XXXX was ok with no federal taxes withdrawn based on borrower XXXX for deductions. XXXX you. <br>Reviewer 09/19/2025 05:04 AM; Condition has been reviewed. XXX<br>| 09/19/2025 |  |  | A | 1 | XXXX | WA | 1 | 13 | C | B | C | B | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1676125 | XXXX | XXXX | 7159950 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX XXXX is attempting to use XX income sources to qualify the loan. XXXX appear to have a second job which appears to be self employment as per loan documents where they recently incorporated. XXX per XXXX guidelines, a borrower must be self-employed a minumum of XXX months. XXXX has only been self employed XX months with XX months XXXX statements submitted for income. |  | Client waived with compensating factors: XX mortgage paid XXXX stable income XX years as a XXXX and likely to continue, all consumer credit paid XXXX borrower began receiving XXXX income instead of XXX with no change in income | Client 09/22/2025 01:54 PM; The borrower is a nXXXX and has been in the same line of work for XXXX years. XXXX borrower works for XXXX XXXX since XXXX XXX XXXX the borrower works for XXXX units XXXX XXXX XXXX and XXXX XXXX XXXX care. XXXX XXXX was acquired by XXXX and in XXXX of XXXX the borrower began receiving XXXX income from them instead of XXX with no change to income(in place of the XXXX XXXX income) . XXXX the app<br>Reviewer 09/22/2025 03:27 PM; Condition has been reviewed. XXX<br>|  |  | 09/22/2025 | B | 2 | XXXX | CA | 1 | 1 | D | B | D | B | A | A | A | A |  | Non-QM | 1 |
| 1676175 | XXXX | XXXX | 7160013 | 967 | XXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | XXXX was reviewed prior to disbursement date of XXXX XXXX upload documentation showing loan has disbursed. | Information provided |  | Client 08/20/2025 12:40 AM; The settlement date is XXXX and the disbursement date is XXXX XXXX note that XXXX and XXXX are no longer considered business days.<br>Reviewer 08/20/2025 04:18 AM; <br>Reviewer 08/20/2025 03:55 PM; Hello <br> XXXX has been cleared <br>XXXX<br>| 08/20/2025 |  |  | A | 1 | XXXX | NJ | 3 | 13 | B | A | B | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1676250 | XXXX | XXXX | 7160139 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX is a XXXX time investor. XXX per XXXX guidelines, XXXX must own their primary residence for a minimum of XXX mo. XXXX does not own. |  | XXXX exception approval for not owning primary home for XXX months on XXXX XXXX XXXX - XXXX down, XXXX inheritance from XXXX XXXX located near XXXX XXXX XXXX base which helps with rental market. | Reviewer 09/14/2025 10:45 AM; Document received was the XXXX XX and does not clear this condition<br>Reviewer 09/22/2025 08:48 PM; Received exception approval for not owning primary home for XXX months on XXXX provide the exception approval with all compensating factors in the space provided on approval form<br>Reviewer 09/23/2025 10:38 AM; Document received did not include compensating factors in the space provided <br>|  |  | 09/23/2025 | B | 2 | XXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1676250 | XXXX | XXXX | 7160142 | 340 | XXXX | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | XXX per XXXX guidelines, a minimum of XX months rental loss is required. XXXX is short of XX months. XXXX be XX mo actual rent or XXXX with XXXX fee. | HOI reflects loss of use XXXX XXXXXXX |  | Client 09/09/2025 11:32 AM; More than XX months loss of use coverage reflected on hazard in file. XXXX you. <br>Reviewer 09/09/2025 03:54 PM; Condition has been reviewed. XXX<br>Reviewer 09/14/2025 10:45 AM; Document received was the XXXX XX and does not clear this condition<br>| 09/22/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1671773 | XXXX | XXXX | 7152044 | 185 | XXXX | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | XX current XXXX XXXX XXXX was not found in the file. XXXX in the file reflected an expiration date of XXXX XXXX date was XXXX | Information provided |  | Reviewer 07/18/2025 08:59 AM; The expried flood insurance was uploaded. XXXX renewal. <br>| 08/12/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1671777 | XXXX | XXXX | 7152084 | 316 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Liquidation |  | XXX management approval is needed for not liquidating assets. XXXX assets used to close are liquidable types. | The account used for assets has XXXX of the funds required to close (not liquidating). |  | Client 08/11/2025 11:24 AM; Hi, as noted on the cash to close, the account used for assets has XXXX of the funds required to close, so we are not liquidating. XXXX<br>Reviewer 08/11/2025 12:24 PM; Condition has been reviewed. XXX<br>| 08/11/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1673981 | XXXX | XXXX | 7155276 | 333 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Inconsistent |  | XXXX XXXXX shows both XXXX self XXXXX owners but no percentage picked. XXXX shows split XXXX but XXXX XXXX from the XXXX states XXXX as owning XXXX of the business. | Only XXXX income was used to qualify |  | Client 08/11/2025 04:55 PM; Hi, both borrowers work at company, XXXX is XXXX owner. XXXX used income for borrower XXXX as well on XXXX and loan summary approval document. XXXX<br>Reviewer 08/12/2025 08:58 AM; Condition has been reviewed. XXX<br>Client 08/12/2025 11:39 AM; Hi, this is still showing as outstanding. XXXX<br>Reviewer 08/12/2025 12:09 PM; Condition has been reviewed. XXX<br>| 08/12/2025 |  |  | A | 1 | XXXX | FL | 1 | 1 | C | A | C | A | A | A | A | A |  | Non-QM | 1 |
| 1674758 | XXXX | XXXX | 7156850 | 326 | XXXX | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | XXXX XXXX reflects a mortgage debt to XXXX XXXX with a balance of XXXX XXXX debt was not included in the payoffs on the XXXX loan or the borrowers debt. XXXX added in the debt ratio increases to XXXX | Paid off statement and credit line termination provided |  | Reviewer 08/24/2025 11:02 AM; The full payment to XXXX mortgage in the amount of XXXX and XXXX XXXX appearing on the credit report dated XXXX were not paid on the XXXX XXX and monthly payments of XXXX and XXXX were not include in the debt payments<br>Reviewer 08/29/2025 09:45 AM; Received evidence of payment to XXXX of XXXX did not received proof of payment to XXXX in the amount of XXXX XXXX XXXX appeared on final XXX as being paid.<br>| 09/05/2025 |  |  | A | 1 | XXXX | VA | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 3**

---

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** |  |  |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1676210 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.39% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676171 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676172 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1676175 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.16% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| 1676176 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -15.00% | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.00% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676179 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676181 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676182 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1676184 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676186 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1676189 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1676190 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1676191 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1429315 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1431755 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1675022 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631545 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675025 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671982 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675027 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675030 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.30% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675031 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.01% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675033 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675035 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.76% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671842 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674436 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675038 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674069 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671954 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 1.20% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.94% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 15.00% | XXXX | C | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675044 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1673981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.23% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675050 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676001 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671761 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.42% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675053 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.49% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675054 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1673880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 1.11% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | ACCEPTABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.59% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX | XXXX | XXXX | -2.88% | XXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 20.10% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX | XXXX | XXXX | 1.96% | XXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674084 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674085 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 0.79% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676251 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676055 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.58% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675080 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675082 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676006 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675294 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675086 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.13% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676204 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675091 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675198 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674220 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676007 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.94% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676008 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676009 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675231 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675297 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.42% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675100 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | XXXX | 5.57% | XXXX | 71A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675101 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676012 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.02% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675104 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1676014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1676019 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1675110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675111 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676027 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676028 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1676031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1676032 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1676034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675112 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1675113 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX | XXXX | 0.35% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1676050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1676210 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified |
| 1676210 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified |
| 1676210 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676210 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1676210 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676171 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676171 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1676171 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676172 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676172 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676173 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676173 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1676173 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1676175 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1676175 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676175 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676176 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1676176 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676176 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1676176 | XXXX | XXXX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Verified |
| 1676176 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676176 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676177 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676177 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1676177 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1676179 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676179 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676181 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676181 | XXXX | XXXX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Verified |
| 1676181 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676182 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676182 | XXXX | XXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1676182 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676182 | XXXX | XXXX | Qualifying DTI | 48.73300 | 0.48733 | Verified |
| 1676184 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified |
| 1676184 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified |
| 1676184 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676184 | XXXX | XXXX | DSCR | 1.390 | 1.410 | Verified |
| 1676184 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1676186 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676186 | XXXX | XXXX | DSCR | 1.540 | 1.300 | Verified |
| 1676186 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1676189 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified |
| 1676189 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified |
| 1676189 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676189 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676189 | XXXX | XXXX | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified |
| 1676190 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676190 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1676191 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified |
| 1676191 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified |
| 1676191 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676191 | XXXX | XXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1676191 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676191 | XXXX | XXXX | Qualifying DTI | 49.97100 | 0.49971 | Verified |
| 1676192 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1676192 | XXXX | XXXX | QM Status |  | Exempt | verified |
| 1676192 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1429315 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1429315 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1429315 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1429315 | XXXX | XXXX | Mtg Pymt | XXXX | XXXX | Verified |
| 1429315 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1429315 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1431755 | XXXX | XXXX | Qualifying Credit Score |  | XXXX | Verified |
| 1431755 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1431755 | XXXX | XXXX | Mtg Pymt | XXXX | XXXX | Verified |
| 1431755 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1431755 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1675022 | XXXX | XXXX | Qualifying DTI | 0.43253 | 0.43397 | Verified |
| 1675022 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675022 | XXXX | XXXX | Doc Type | Alternative | Asset Utilization | Verified |
| 1631545 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1631545 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676000 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1675323 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1675323 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675323 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675025 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675025 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675026 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1675026 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1671982 | XXXX | XXXX | Qualifying DTI | 0.46407 | 0.27526 | Verified |
| 1671982 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675027 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675027 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1675030 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1675030 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1675030 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675031 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675031 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675031 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675287 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675287 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1675033 | XXXX | XXXX | Qualifying DTI | 0.48829 | 0.49007 | Verified |
| 1675033 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1675033 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675034 | XXXX | XXXX | DSCR | 2.012 | 1.700 | Verified |
| 1675034 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675034 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1674650 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1675035 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675035 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675035 | XXXX | XXXX | DSCR | 1.000 | 1.200 | Verified |
| 1675035 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1672403 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1672359 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674064 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1674064 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1672126 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1672126 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1675036 | XXXX | XXXX | Property Type | Detached | Mixed Use | Verified |
| 1675036 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1672127 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675037 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675037 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675037 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1671756 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1671842 | XXXX | XXXX | Original Amortization Term | 360 | 288 | Verified |
| 1671842 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1671842 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1674436 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1671777 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1671777 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1671777 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1671791 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1671791 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675038 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675038 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675038 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675038 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1674069 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1672078 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1671954 | XXXX | XXXX | Qualifying DTI | 0.45920 | 0.45965 | Verified |
| 1671917 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1671917 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1675041 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675042 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1675042 | XXXX | XXXX | Qualifying DTI | 0.46906 | 0.46968 | Verified |
| 1675042 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675042 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1675042 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1671778 | XXXX | XXXX | Qualifying DTI | 0.45049 | 0.49005 | Verified |
| 1671778 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1671778 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675043 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675044 | XXXX | XXXX | DSCR | 1.145 |  | Verified |
| 1675046 | XXXX | XXXX | Qualifying DTI | 0.33627 | 0.37659 | Verified |
| 1675046 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1673981 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1673981 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1673981 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1673981 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1671955 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1671955 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1675047 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675050 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1675050 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676001 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676001 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1671843 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1671843 | XXXX | XXXX | Qualifying DTI | 0.49957 | 0.51536 | Verified |
| 1671843 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675051 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1671918 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1671761 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1671761 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1671761 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1675052 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675053 | XXXX | XXXX | DSCR | 1.003 | 1.020 | Verified |
| 1675053 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675053 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675054 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675054 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675057 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675058 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1675058 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1675058 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1673880 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1673880 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1673880 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1671919 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1671919 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1674076 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1671789 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675061 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1675061 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675061 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675061 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676002 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1676002 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675063 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675746 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675746 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1674080 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1674080 | XXXX | XXXX | Qualifying DTI | 0.39257 | 0.30717 | Verified |
| 1674080 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1674080 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1672129 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1671775 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674758 | XXXX | XXXX | Qualifying DTI | 0.40937 | 0.48284 | Verified |
| 1674081 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674081 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676003 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1676003 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1676003 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676003 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676003 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1674084 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1674084 | XXXX | XXXX | Qualifying DTI | 0.46586 | 0.46983 | Verified |
| 1674084 | XXXX | XXXX | Property Type | PUD | Single Family | Verified |
| 1674084 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1674084 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1674084 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675066 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675066 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1674085 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1674085 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674085 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675068 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675068 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675068 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675069 | XXXX | XXXX | Qualifying DTI | 0.49311 | 0.49211 | Verified |
| 1675069 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1675069 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675069 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675070 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1674087 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1676251 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675072 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675072 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675073 | XXXX | XXXX | DSCR | 0.592 |  | Verified |
| 1675073 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1675073 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1672406 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675074 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1675074 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674090 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674090 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676055 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1676055 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1676055 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675076 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1675076 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675078 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675078 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675078 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1674365 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674969 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | verified |
| 1674095 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675290 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676004 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1675080 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675080 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675080 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675080 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675082 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675082 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675082 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675082 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675083 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676005 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1676005 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1676005 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676005 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676005 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675800 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676006 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676006 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1674261 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674103 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675086 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675086 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1676204 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1676204 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675088 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675088 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675091 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675091 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675092 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675092 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675092 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1675092 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675092 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675092 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1674366 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675198 | XXXX | XXXX | DSCR | 1.413 | 1.610 | Verified |
| 1675198 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675198 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675095 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1674220 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1674220 | XXXX | XXXX | Qualifying DTI | 0.34760 | 0.31354 | Verified |
| 1674220 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1674220 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1674220 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676007 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1676007 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675527 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675527 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1675096 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675097 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1676008 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676008 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676008 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676009 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676009 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676009 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675231 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675231 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675231 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675231 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676010 | XXXX | XXXX | DSCR | 1.434 | 1.550 | Verified |
| 1676010 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676010 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675098 | XXXX | XXXX | DSCR | 0.640 |  | Verified |
| 1675098 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1675098 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1675098 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1675297 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1675297 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1674108 | XXXX | XXXX | Qualifying DTI | 0.42356 | 0.34984 | Verified |
| 1674108 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | verified |
| 1674108 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675099 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1675099 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675099 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675513 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1675513 | XXXX | XXXX | Qualifying DTI | 0.43768 | 0.49767 | Verified |
| 1675513 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675100 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1675100 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1675100 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1675100 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676011 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676011 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676011 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676150 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675101 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676013 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675115 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1675115 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1675115 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676014 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676014 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675105 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675105 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675106 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676016 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1676017 | XXXX | XXXX | Qualifying DTI | 0.46304 | 0.48243 | Verified |
| 1676017 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676017 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676018 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676018 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676019 | XXXX | XXXX | DSCR | 1.327 | 1.220 | Verified |
| 1676019 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675108 | XXXX | XXXX | Qualifying DTI | 0.34154 | 0.37202 | Verified |
| 1675108 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676020 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676021 | XXXX | XXXX | DSCR | 1.017 |  | Verified |
| 1676021 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1676022 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676022 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676125 | XXXX | XXXX | Qualifying DTI | 0.36900 | 0.46117 | Verified |
| 1676125 | XXXX | XXXX | Property Type | Attached | Condo-Lo 1-4 Stories | Verified |
| 1676023 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676023 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676024 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1676024 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1676024 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | verified |
| 1676024 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675110 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675111 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675111 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1675111 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1675111 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1675116 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675116 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1675116 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676027 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1676027 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1676027 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676027 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676028 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676028 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1676029 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1676029 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676153 | XXXX | XXXX | Qualifying DTI | 0.35853 | 0.49949 | Verified |
| 1676153 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676030 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1676030 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1676030 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676031 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1676031 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1676031 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676032 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676033 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1676033 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1676033 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676034 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676035 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676035 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1676250 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676250 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676250 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676124 | XXXX | XXXX | Qualifying DTI | 0.43624 | 0.38402 | Verified |
| 1676124 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676124 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675112 | XXXX | XXXX | DSCR | 1.085 | 1.060 | Verified |
| 1675112 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1675112 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676036 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676036 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676037 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676038 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1676039 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675113 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1675113 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676040 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676041 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1676042 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676042 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676043 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676043 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Utilization | Verified |
| 1676044 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676044 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676044 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676045 | XXXX | XXXX | Qualifying DTI | 0.44737 | 0.45599 | Verified |
| 1676045 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676045 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1676045 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1676046 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676046 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | verified |
| 1676048 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1676049 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1676049 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1676050 | XXXX | XXXX | Doc Type | Alternative | Bank Statement | Verified |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1676210 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676171 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1676172 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676173 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676175 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676176 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676177 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676179 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676181 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1676182 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  | 08/06/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1676184 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676186 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676189 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676190 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676191 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  | 07/25/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1676192 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1429315 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 07/12/2022 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1431755 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675022 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/12/2025 | 7.321% | Employed |  | US Citizen |  |  |  | Yes | $11377.69 |
| 1631545 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 11/13/2024 | 8.592% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $15001.46 |
| 1676000 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $22752.99 | 09/03/2025 | 8.088% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $12273.07 |
| 1675323 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1675025 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Not Required | Permanent Resident Alien |  | US Citizen |  | No |  |
| 1675026 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1671982 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $1495.00 | 06/27/2025 | 7.61% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $8081.32 |
| 1675027 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $23551.25 | 08/06/2025 | 8.637% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13708.67 |
| 1671773 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $11058.92 | 07/10/2025 | 7.856% | Employed |  | US Citizen |  |  |  | Yes | $12808.24 |
| 1675030 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6095.00 | 08/05/2025 | 7.91% | Employed |  | US Citizen |  |  |  | Yes | $4015.09 |
| 1675031 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675287 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $22273.15 | 08/04/2025 | 9.297% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $13985.46 |
| 1671943 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13163.48 | 08/05/2025 | 7.45% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5753.30 |
| 1675033 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/20/2025 | 8.036% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4790.23 |
| 1675034 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1674650 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/25/2025 | 7.938% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7225.23 |
| 1675035 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1672403 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $30317.15 | 08/11/2025 | 8.154% | Self-Employed |  | US Citizen |  |  |  | Yes | $14016.42 |
| 1671752 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 07/25/2025 | 8.288% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9063.68 |
| 1672359 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/11/2025 | 7.854% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8023.31 |
| 1674064 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $23106.19 | 08/14/2025 | 7.788% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9230.57 |
| 1672126 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20763.95 | 08/08/2025 | 7.469% | Self-Employed |  | US Citizen |  |  |  | Yes | $31321.83 |
| 1675036 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1672127 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6595.55 | 08/08/2025 | 7.471% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $6092.21 |
| 1675037 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1671756 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/31/2025 | 8.029% | Self-Employed |  | US Citizen |  |  |  | Yes | $5738.58 |
| 1671842 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/02/2025 | 7.712% | Employed |  | US Citizen |  |  |  | Yes | $8245.08 |
| 1674436 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8190.55 | 08/01/2025 | 7.787% | Self-Employed |  | US Citizen |  |  |  | Yes | $4942.60 |
| 1671777 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/31/2025 | 7.987% | Employed |  | US Citizen |  |  |  | Yes | $8217.93 |
| 1671791 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/25/2025 | 7.77% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $13496.71 |
| 1675038 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1674069 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/11/2025 | 8.206% | Self-Employed |  | US Citizen |  |  |  | Yes | $21788.65 |
| 1672078 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11510.98 | 08/04/2025 | 7.795% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9348.83 |
| 1671954 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/05/2025 | 8.35% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $14135.69 |
| 1671917 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/08/2025 | 7.637% | Employed |  | US Citizen |  |  |  | Yes | $22772.06 |
| 1675041 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1675042 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6395.00 | 08/08/2025 | 7.815% | Self-Employed |  | US Citizen |  |  |  | Yes | $1791.14 |
| 1671758 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $34616.97 | 08/05/2025 | 7.902% | Employed |  | US Citizen |  |  |  | Yes | $7424.43 |
| 1671778 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/31/2025 | 7.575% | Employed |  | US Citizen |  |  |  | Yes | $4389.39 |
| 1671950 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10822.04 | 08/01/2025 | 9.635% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6204.13 |
| 1675043 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9148.34 | 08/28/2025 | 7.832% | Self-Employed |  | US Citizen |  |  |  | Yes | $10584.16 |
| 1675044 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1675046 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/14/2025 | 7.863% | Self-Employed |  | US Citizen |  |  |  | Yes | $4850.10 |
| 1673981 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/06/2025 | 7.897% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11178.44 |
| 1671955 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $13596.32 | 08/04/2025 | 7.931% | Self-Employed |  | US Citizen |  |  |  | Yes | $26772.84 |
| 1675047 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/14/2025 | 7.826% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $8895.29 |
| 1675050 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/07/2025 | 8.308% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $10500.10 |
| 1676001 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1671843 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/06/2025 | 8.038% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $15222.28 |
| 1675051 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1671918 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/05/2025 | 7.978% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $2046.04 |
| 1671761 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8752.90 | 07/30/2025 | 7.394% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675052 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/15/2025 | 9.058% | Self-Employed |  | US Citizen |  |  |  | Yes | $6365.87 |
| 1675053 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1675054 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1675057 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/11/2025 | 8.10% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $18626.66 |
| 1675058 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/11/2025 | 8.326% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $12314.02 |
| 1673880 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $33520.00 | 08/13/2025 | 7.729% | Self-Employed |  | US Citizen |  |  |  | Yes | $29628.24 |
| 1671919 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9320.00 | 08/07/2025 | 8.086% | Self-Employed |  | US Citizen |  |  |  | Yes | $20212.84 |
| 1672195 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/08/2025 | 8.108% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11032.56 |
| 1674076 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/12/2025 | 8.024% | Retired | Self-Employed | US Citizen |  | US Citizen |  | Yes | $28914.16 |
| 1671789 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9996.88 | 08/01/2025 | 7.881% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $16057.91 |
| 1675061 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676002 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1675063 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $22219.25 | 08/25/2025 | 7.305% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11843.68 |
| 1675746 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/20/2025 | 7.557% | Self-Employed |  | US Citizen |  |  |  | Yes | $15797.51 |
| 1674080 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $28442.31 | 08/19/2025 | 7.466% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $32653.19 |
| 1672129 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7955.00 | 08/08/2025 | 7.744% | Self-Employed |  | US Citizen |  |  |  | Yes | $58165.33 |
| 1671775 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/06/2025 | 8.35% | Self-Employed |  | US Citizen |  |  |  | Yes | $11208.97 |
| 1674758 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/12/2025 | 8.739% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $7376.43 |
| 1674081 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13771.25 | 08/18/2025 | 8.251% | Self-Employed |  | US Citizen |  |  |  | Yes | $7613.79 |
| 1676003 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $44936.26 | 09/09/2025 | 7.901% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $23774.20 |
| 1674084 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/12/2025 | 7.351% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $19609.89 |
| 1675065 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $20595.00 | 08/20/2025 | 7.502% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12386.83 |
| 1675066 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1674085 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/15/2025 | 8.085% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1675068 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675069 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/25/2025 | 7.24% | Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11994.96 |
| 1675070 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10125.00 | 08/22/2025 | 7.887% | Employed | Employed | Permanent Resident Alien |  | US Citizen |  | Yes | $8385.83 |
| 1674087 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/13/2025 | 7.464% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $26477.79 |
| 1676251 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675072 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1675073 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $52252.10 |
| 1672406 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9255.81 | 08/12/2025 | 7.73% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $6233.67 |
| 1675074 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/22/2025 | 7.50% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $18188.34 |
| 1674090 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/07/2025 | 7.826% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6674.48 |
| 1676055 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675076 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/20/2025 | 7.406% | Employed |  | US Citizen |  |  |  | Yes | $5557.07 |
| 1675078 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1674365 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11660.00 | 08/20/2025 | 7.891% | Self-Employed |  | US Citizen |  |  |  | Yes | $4611.33 |
| 1674093 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/19/2025 | 7.599% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16381.82 |
| 1674969 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/20/2025 | 8.057% | Self-Employed | Self-Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | Yes | $4474.82 |
| 1675138 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10189.18 | 08/29/2025 | 7.744% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9943.92 |
| 1674095 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8272.22 | 08/21/2025 | 8.422% | Self-Employed |  | US Citizen |  |  |  | Yes | $2703.16 |
| 1675290 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8055.05 | 08/29/2025 | 8.267% | Retired |  | US Citizen |  |  |  | No |  |
| 1676004 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8949.21 |
| 1675080 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675082 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675083 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675084 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $12761.53 | 08/26/2025 | 7.815% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $11068.75 |
| 1676005 | XXXX | XXXX | Exempt | N/A | No | XXXX | Yes | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675800 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9173.94 | 08/29/2025 | 7.322% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $6073.20 |
| 1676006 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $9546.84 | 09/09/2025 | 9.249% | Self-Employed |  | US Citizen |  |  |  | Yes | $4079.19 |
| 1674261 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/22/2025 | 8.113% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $75521.33 |
| 1675294 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $17602.30 | 08/18/2025 | 7.379% | Employed |  | US Citizen |  |  |  | Yes | $11162.27 |
| 1674103 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 08/15/2025 | 7.568% | Employed |  | US Citizen |  |  |  | Yes | $25917.33 |
| 1675086 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10540.00 | 08/25/2025 | 7.761% | Self-Employed |  | US Citizen |  |  |  | Yes | $22345.02 |
| 1676204 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $14610.41 |
| 1675088 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15154.01 | 08/29/2025 | 8.384% | Self-Employed |  | US Citizen |  |  |  | Yes | $9876.60 |
| 1674106 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $19916.38 | 08/18/2025 | 7.797% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $16182.59 |
| 1675091 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14678.00 | 08/25/2025 | 9.415% | Self-Employed |  | US Citizen |  |  |  | Yes | $18469.97 |
| 1675303 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9020.50 | 08/22/2025 | 7.926% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5246.21 |
| 1675092 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1674366 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14700.12 | 08/25/2025 | 8.331% | Self-Employed |  | US Citizen |  |  |  | Yes | $4422.63 |
| 1675198 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675095 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $19341.95 | 08/22/2025 | 7.891% | Employed |  | Permanent Resident Alien |  |  |  | Yes | $18564.47 |
| 1674220 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20221.60 | 08/21/2025 | 7.172% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $19458.16 |
| 1676007 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $33786.08 |
| 1676169 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/10/2025 | 8.499% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $4387.37 |
| 1675527 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6271.20 | 09/03/2025 | 7.503% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3325.26 |
| 1675096 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675097 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $27047.77 | 08/26/2025 | 7.888% | Employed |  | US Citizen |  |  |  | Yes | $32068.81 |
| 1676008 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676009 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1675231 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676010 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1675098 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675297 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4251.49 | 08/29/2025 | 7.378% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $18566.55 |
| 1674108 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/22/2025 | 7.84% | Self-Employed |  | US Citizen |  |  |  | Yes | $3687.38 |
| 1675099 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $10309.46 | 08/27/2025 | 7.499% | Employed |  | US Citizen |  |  |  | Yes | $4650.38 |
| 1675513 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13576.41 | 08/29/2025 | 7.601% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $14480.98 |
| 1675100 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1676011 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676150 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/05/2025 | 7.50% | Self-Employed |  | US Citizen |  |  |  | Yes | $3601.49 |
| 1675101 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676012 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 09/04/2025 | 7.577% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $9621.83 |
| 1675102 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9372.95 | 08/25/2025 | 7.755% | Employed |  | US Citizen |  |  |  | Yes | $5144.29 |
| 1676013 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $9728.02 | 09/05/2025 | 8.011% | Self-Employed |  | US Citizen |  |  |  | Yes | $4541.83 |
| 1674652 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15354.80 | 08/25/2025 | 7.398% | Employed |  | US Citizen |  |  |  | No |  |
| 1675115 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7520.00 | 08/29/2025 | 7.99% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $4540.08 |
| 1675104 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $15659.10 | 08/25/2025 | 7.682% | Self-Employed |  | US Citizen |  |  |  | Yes | $34635.27 |
| 1676014 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1675105 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1675106 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20445.00 | 08/22/2025 | 7.352% | Self-Employed |  | US Citizen |  |  |  | Yes | $18922.05 |
| 1676015 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 09/11/2025 | 7.748% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5087.34 |
| 1676016 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6393.20 | 09/05/2025 | 8.357% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13410.19 |
| 1676017 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13346.25 | 09/09/2025 | 7.678% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7721.78 |
| 1676018 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $6955.00 | 09/10/2025 | 7.712% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5133.05 |
| 1676019 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1675108 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14740.00 | 08/26/2025 | 6.906% | Self-Employed |  | US Citizen |  |  |  | Yes | $19300.22 |
| 1676020 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5625.00 | 09/04/2025 | 7.666% | Employed |  | US Citizen |  |  |  | Yes | $2425.78 |
| 1676021 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7000.38 |
| 1676022 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6920.00 | 09/12/2025 | 7.944% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $7798.12 |
| 1676125 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11317.26 | 09/02/2025 | 10.003% | Employed |  | US Citizen |  |  |  | Yes | $8307.63 |
| 1676023 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676024 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1675110 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11085.76 | 08/29/2025 | 7.595% | Self-Employed |  | US Citizen |  |  |  | Yes | $4767.60 |
| 1676025 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $22768.45 | 09/05/2025 | 8.093% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12858.23 |
| 1675111 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676026 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7315.00 | 09/02/2025 | 7.487% | Employed |  | US Citizen |  |  |  | Yes | $2595.84 |
| 1675116 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676027 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676028 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5488.67 | 09/05/2025 | 7.636% | Self-Employed |  | US Citizen |  |  |  | Yes | $53589.50 |
| 1676029 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $7444.55 | 09/05/2025 | 7.748% | Employed |  | US Citizen |  |  |  | Yes | $5961.26 |
| 1676153 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/08/2025 | 7.632% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $3586.25 |
| 1676030 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1676031 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1676032 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1676033 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1676034 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $36245.00 | 08/29/2025 | 6.643% | Self-Employed |  | US Citizen |  |  |  | Yes | $10813.98 |
| 1676035 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 09/03/2025 | 8.07% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $3404.54 |
| 1676250 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676124 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/12/2025 | 8.127% | Self-Employed |  | US Citizen |  |  |  | Yes | $8347.84 |
| 1675112 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1676036 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/10/2025 | 7.796% | Self-Employed |  | US Citizen |  |  |  | Yes | $21653.59 |
| 1676037 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $14910.63 | 09/10/2025 | 8.226% | Self-Employed |  | US Citizen |  |  |  | Yes | $24125.84 |
| 1676038 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4513.45 |
| 1676039 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/08/2025 | 7.797% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $5173.29 |
| 1675113 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $17494.00 | 08/29/2025 | 7.758% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $28182.89 |
| 1676040 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 09/05/2025 | 7.486% | Employed |  | US Citizen |  |  |  | Yes | $13869.60 |
| 1676041 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1676042 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $20870.00 | 09/02/2025 | 7.80% | Self-Employed |  | US Citizen |  |  |  | Yes | $27773.56 |
| 1676043 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $56232.64 | 09/05/2025 | 7.785% | Not Required | Not Required | US Citizen |  | US Citizen |  | Yes | $23898.12 |
| 1676044 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1676045 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/10/2025 | 7.633% | Self-Employed |  | US Citizen |  |  |  | Yes | $8450.69 |
| 1676046 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $10133.21 | 09/04/2025 | 7.355% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $5238.45 |
| 1676047 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8920.39 | 09/10/2025 | 9.531% | Employed |  | US Citizen |  |  |  | Yes | $4821.15 |
| 1676048 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/10/2025 | 9.658% | Self-Employed |  | US Citizen |  |  |  | Yes | $10905.28 |
| 1676049 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1676050 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 09/11/2025 | 7.163% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $7570.34 |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) |
| **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** |
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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 1676210 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 Yr Fixed 3 Yr PPP Step Dn | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $7200.00 |  | 1025 | No |  | 0 |  |  | 7200 | 1.5 | $4800.27 |  |  |  | No |  |  | NO | $0.00 | $668.37 | $166.75 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 115 | 5 | US Citizen |  | 744 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 744 | 746 | 741 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 3 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676171 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 Yr Fixed 3 Yr PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $2900.00 |  | 1025 | No |  | 0 |  |  | 2900 | 1.86 | $1560.95 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $142.71 | $113.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 115 | 3 | Permanent Resident Alien |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676172 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | Yes | $1850.00 | $1500.00 |  | Leases | No |  | 0 |  |  | 1850 | 1.53 | $1211.56 | 20260605 | 12 |  | No |  |  | NO | $0.00 | $151.69 | $124.41 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 41 | 5 | US Citizen |  | 740 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 734 | 740 | 786 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676173 | XXXX | XXXX |  | XXXX | XXXX | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $3011.20 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3011 |  |  | 3011.2 | 1.11 | $2722.86 |  |  |  | Yes | $29740.00 |  | NO | $0.00 | $290.42 | $176.33 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 14 | 5 | US Citizen | US Citizen | 718 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 712 | 717 | 703 | XXXX | XXXX |  | US Citizen | Stated, Verified | 718 | 739 | 718 | Not Required | Not Required | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676175 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $2300.00 |  | 1025 | No |  | 0 |  |  | 2300 | 1.6 | $1437.73 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $177.89 | $79.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 18 | 3 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 752 | 751 | 755 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676176 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $6000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6000 | 1.03 | $5838.79 |  |  |  | No |  |  | NO | $0.00 | $1165.80 | $215.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 15 | 5 | US Citizen |  | 699 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXX | XXXX |  | US Citizen | Stated, Verified | 706 | 698 | 699 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Corporation | XXXX | No |  |  |
| 1676177 | XXXX | XXXX |  | XXXX | XXXX | BPACC 30 YR FIXED 4 YR PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $2900.00 |  | 1025 | No |  | 0 |  |  | 2900 | 1.33 | $2176.46 |  |  |  | Yes | $44431.00 |  | NO | $0.00 | $208.41 | $186.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 15 | 4 | US Citizen |  | 748 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676179 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $6200.00 |  | 1025 | No |  | 0 |  |  | 6200 | 1.11 | $5595.82 |  |  |  | No |  |  | NO | $0.00 | $871.26 | $185.83 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 29 | 1 | US Citizen |  | 760 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 760 | 769 | 712 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676181 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $4600.00 |  | 1025 | No |  | 0 |  |  | 4600 | 1.22 | $3757.08 |  |  |  | Yes | $90000.00 |  | NO | $0.00 | $1349.60 | $188.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 32 | 0.2 | Non Permanent Resident Alien |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified | 773 | 773 | 768 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676184 | XXXX | XXXX |  | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | Yes | $6800.00 | $6900.00 |  | Leases | No |  | 0 |  |  | 6900 | 1.41 | $4877.18 | 20260430 | 12 |  | Yes | $70000.00 |  | NO | $0.00 | $735.57 | $142.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 3.1 | US Citizen |  | 795 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 739 | 795 | 796 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676186 | XXXX | XXXX |  | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.3 | $1616.38 |  |  |  | Yes | $15000.00 |  | NO | $0.00 | $255.45 | $102.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 105 | 3 | US Citizen |  | 807 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 784 | 808 | 807 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676189 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | DSCR+Asset Depletion | Yes | No | $0.00 | $9470.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | 9470 | 1.26 | $7488.12 |  |  |  | No |  |  | NO | $0.00 | $363.32 | $528.16 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 10 | 39 | US Citizen | US Citizen | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 771 | 749 | 786 | XXXX | XXXX |  | US Citizen | Stated, Verified | 764 | 722 | 739 | Not Required | Not Required | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676190 | XXXX | XXXX |  | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $2950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2950 | 1.12 | $2643.97 |  |  |  | Yes | $26500.00 |  | NO | $0.00 | $473.10 | $178.11 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 33 | 2 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 768 | 759 | 733 | XXXX | XXXX |  | US Citizen | Stated, Verified | 772 | 760 | 776 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676192 | XXXX | XXXX | XXXX | XXXX | XXXX | BPACC 30 YR FIXED NO PPP | 20250121 | Debt Service Coverage | Yes | No | $0.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3600 | 1.09 | $3309.57 |  |  |  | Yes | $52500.00 |  | NO | $0.00 | $595.16 | $130.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 28 | 4 | US Citizen |  | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1429315 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20210704 | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 0.76 | $2912.33 |  |  |  | No |  |  | NO | $0.00 | $333.25 | $283.25 | Stated, "Partially" Verified | NO | 1 | 2 |  | No | No | Experienced | 14 | 8 | US Citizen | US Citizen | 667 | 0 | 0 |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, "Partially" Verified | 673 | 649 | 677 | XXXX | XXXX |  | US Citizen | Stated, "Partially" Verified | 667 | 660 | 668 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  | XXXX |
| 1431755 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20220801 | Debt Service Coverage | Yes | Yes | $1200.00 | $1200.00 |  | Leases | No |  | 0 |  |  | 1200 | 1.06 | $1131.13 | 20221031 | 12 | No | Yes | $14400.00 |  | NO | $0.00 | $248.64 | $46.45 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 1 | 0.7 | US Citizen |  | 697 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXX | XXXX |  | US Citizen | Stated, Verified | 717 | 692 | 697 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  | XXXX |
| 1675323 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $7364.00 | $8400.00 | Other | Leases | No |  | 0 |  |  | 7362.5 | 1.16 | $6356.30 | 20251231 | 12 | No | Yes | $40000.00 |  | NO | $0.00 | $758.94 | $865.03 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 9 | 7 | Non Permanent Resident Alien |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified | 773 | 779 | 760 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 8 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675025 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $6145.00 | $8250.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6145 | 1.52 | $4054.46 | 20240630 | 12 | Yes | Yes | $58400.00 |  | NO | $0.00 | $35.44 | $186.43 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 40 | 7 | Permanent Resident Alien | US Citizen | 694 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 694 | 663 | 699 | XXXX | XXXX |  | US Citizen | Stated, Verified | 732 | 714 | 702 | Employed | Not Required | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675026 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $8700.00 | $8077.08 | Other | Other | No |  | 0 |  |  | 8077.08 | 1.1 | $7318.57 | 20260731 | 12 |  | Yes | $60000.00 |  | NO | $0.00 | $652.10 | $2570.82 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 25 | 3 | US Citizen |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 6 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675031 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | 20250701 | Debt Service Coverage | Yes | Yes | $2000.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1950 | 0.87 | $2245.85 | 20260806 | 12 | No | Yes | $34200.00 |  | NO | $0.00 | $145.10 | $150.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 152 | 24 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 811 | 792 | 791 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675034 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $3190.00 | $4929.50 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4929.5 | 1.7 | $2905.75 | 20260224 | 12 |  | Yes | $219000.00 |  | NO | $0.00 | $737.00 | $190.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 76 | 6 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 3 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675035 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2525.00 |  | 1025 | No |  | 0 |  |  | 2525 | 1.2 | $2099.11 |  |  |  | Yes | $40000.00 |  | NO | $0.00 | $156.63 | $301.48 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 190 | 2 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 748 | 757 | 739 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675036 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $5061.67 | Other | Other | No |  | 0 |  |  | 5061.67 | 1.11 | $4543.29 |  |  |  | Yes | $50000.00 |  | NO | $0.00 | $305.98 | $645.80 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 26 | 20 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675037 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 0.76 | $3290.68 |  |  |  | Yes | $54000.00 |  | NO | $0.00 | $109.36 | $166.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 60 | 1 | US Citizen |  | 709 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 720 | 709 | 680 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675038 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $2900.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 0.76 | $3543.65 | 20250901 | 12 |  | Yes | $32400.00 |  | NO | $0.00 | $962.23 | $119.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 151 | 5 | US Citizen | US Citizen | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675041 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $5000.00 | Other | Other | No |  | 0 |  |  | 5000 | 1.14 | $4390.79 |  |  |  | Yes | $30000.00 |  | NO | $0.00 | $480.56 | $506.60 | Stated, Verified | NO | 1 | 17 |  | No | No | Experienced | 26 | 3 | Permanent Resident Alien |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 722 | 718 | 725 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675044 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified Full Doc: 30 - Year Fixed | 20250701 | Full | Yes | Yes | $1750.00 | $1750.00 | FNMA 1007/216 | Leases | No |  | 0 | 32.318 |  | 0 | 0 | $1634.95 | 20251231 | 12 | No | Yes | $57420.00 |  | NO | $0.00 | $191.32 | $90.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 82 | 5 | US Citizen |  | 698 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676001 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $3000.00 | $2100.00 |  | 1025 | No |  | 0 |  |  | 2100 | 1.38 | $1520.09 | 20260831 | 12 | No | Yes | $25200.00 |  | NO | $0.00 | $305.17 | $218.93 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 85 | 10 | US Citizen |  | 757 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675051 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5225 |  |  | 5225 | 1.76 | $2965.22 |  |  |  | Yes | $37500.00 |  | NO | $0.00 | $316.44 | $295.27 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 14 | 8 | US Citizen | US Citizen | 817 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675053 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250701 | Debt Service Coverage | Yes | Yes | $3650.00 | $4000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4000 | 1.02 | $3937.60 | 20240414 | 12 | Yes | Yes | $150000.00 |  | NO | $0.00 | $378.17 | $0.00 | Stated, Verified | NO | 4 | 5 |  | No | No | Experienced | 124 | 20 | US Citizen | US Citizen | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXX | XXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675054 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250701 | Debt Service Coverage | Yes | Yes | $4000.00 | $4000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4000 | 1.02 | $3935.90 | 20260630 | 12 |  | Yes | $150000.00 |  | NO | $0.00 | $376.47 | $0.00 | Stated, Verified | NO | 3 | 5 |  | No | No | Experienced | 114 | 20 | US Citizen | US Citizen | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXX | XXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675061 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $10604.00 | $12135.00 | Other | Leases | No |  | 0 |  |  | 9853.17 | 1.5 | $6561.46 | 20251231 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $657.42 | $438.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 21 | 0.1 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 10 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676002 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250901 | Debt Service Coverage | Yes | Yes | $6785.00 | $7000.00 | Other | Leases | No |  | 0 |  |  | 6193.92 | 1.27 | $4864.62 | 20260731 | 12 |  | Yes | $79000.00 |  | NO | $0.00 | $757.32 | $373.00 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 9 | 12 | US Citizen | US Citizen | 755 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 744 | 767 | 755 | XXXX | XXXX |  | US Citizen | Stated, Verified | 750 | 753 | 743 | Employed | Employed | XXXX | XXXX | $XXXX | 5 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675066 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 0.87 | $2293.87 |  |  |  | Yes | $29500.00 |  | NO | $0.00 | $229.15 | $60.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 10 | 7 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675068 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2500 | 1 | $2494.88 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $524.08 | $165.91 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 46 | 11 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676251 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250901 | Debt Service Coverage | Yes | Yes | $3675.00 |  |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3675 |  |  | 3675 | 1.01 | $3650.59 | 20260408 | 12 | No | Yes | $82600.00 |  | NO | $0.00 | $490.61 | $166.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 45 | 8 | US Citizen |  | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 762 | 746 | 793 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675072 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 0.9 | $3116.66 |  |  |  | Yes | $44500.00 |  | YES | $50.00 | $447.23 | $109.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 251 | 6 | US Citizen | US Citizen | 817 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 825 | 817 | 782 | XXXX | XXXX |  | US Citizen | Stated, Verified | 813 | 796 | 781 | Employed | Employed | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675073 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250701 | Bank Statement | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 11.071 |  | 0 |  | $3127.21 |  |  |  | Yes | $22200.00 |  | NO | $0.00 | $461.31 | $180.16 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 18 | 4 | US Citizen |  | 696 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 696 | 612 | 698 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676055 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $4800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4800 | 1.04 | $4604.11 |  |  |  | Yes | $50000.00 |  | YES | $16.67 | $461.20 | $796.32 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 319 | 1 | US Citizen |  | 682 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675078 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $4800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4800 | 1.64 | $2926.17 |  |  |  | Yes | $47500.00 |  | YES | $43.33 | $225.00 | $844.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 10 | 5 | US Citizen |  | 755 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676004 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250901 | Bank Statement | Yes | No | $0.00 | $2925.00 |  | 1025 | No |  | 0 | 45.272 |  | 0 |  | $1874.02 |  |  |  | Yes | $236000.00 |  | NO | $0.00 | $342.59 | $133.00 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 44 | 0 | US Citizen |  | 689 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675080 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $3400.00 | $3200.00 |  | 1025 | No |  | 0 |  |  | 3200 | 1.02 | $3141.44 | 20260131 | 12 | No | Yes | $22180.00 |  | NO | $0.00 | $849.17 | $208.42 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 66 | 5 | US Citizen |  | 761 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 3 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675082 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $3000.00 | $3360.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3000 | 1 | $3001.38 | 20251231 | 12 | No | Yes | $32200.00 |  | NO | $0.00 | $827.74 | $99.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 150 | 8.8 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675083 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2350 | 1.2 | $1955.55 |  |  |  | Yes | $20000.00 |  | YES | $558.00 | $205.42 | $17.08 | Stated, Verified | NO | 1 | 11 |  | No | No | Experienced | 309 | 18 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676005 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 1.02 | $3145.39 |  |  |  | Yes | $51400.00 |  | NO | $0.00 | $309.02 | $525.43 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 69 | 30 | US Citizen |  | 798 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 826 | 798 | 793 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676204 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250901 | Bank Statement | Yes | Yes | $3100.00 | $2845.00 | FNMA 1007/216 |  | No |  | 0 | 23.671 |  | 0 |  | $3711.94 | 20270531 | 24 | No | Yes | $0.00 | Yes | YES | $55.00 | $190.60 | $82.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 33 | 2 | US Citizen |  | 701 | 0 | 0 |  |  | &nbsp;&nbsp;&nbsp;&nbsp;0 | 0 | 0 |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675092 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $6880.00 | $9200.00 |  | Leases | No |  | 0 |  |  | 6238.64 | 1.06 | $5913.12 | 20250811 | 12 |  | Yes | $100000.00 |  | NO | $0.00 | $963.94 | $533.78 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 42 | 3 | US Citizen |  | 788 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 00 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 776 | 790 | 788 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 5 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675198 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $4750.00 | $4550.00 |  | 1025 | No |  | 0 |  |  | 4550 | 1.61 | $2830.90 | 20260331 | 12 | No | Yes | $42500.00 |  | NO | $0.00 | $104.07 | $128.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 47 | 3 | US Citizen |  | 696 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 683 | 696 | 719 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 4 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676007 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250901 | Bank Statement | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 24.746 |  | 0 |  | $2960.86 |  |  |  | Yes | $74569.00 |  | NO | $0.00 | $132.75 | $208.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 75 | 14 | US Citizen |  | 671 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675096 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $4300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4300 | 1.84 | $2007.76 |  |  |  | Yes | $141000.00 |  | YES | $107.00 | $615.00 | $262.50 | Stated, Verified | NO | 1 | 14 |  | No | No | Experienced | 48 | 1 | US Citizen |  | 731 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676008 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $2200.00 | $2600.00 |  | Leases | No |  | 0 |  |  | 2800 | 1.23 | $2285.10 | 20250331 | 12 |  | Yes | $26981.00 |  | NO | $0.00 | $85.72 | $183.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 24 | 13 | US Citizen |  | 709 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 680 | 728 | 709 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676009 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $3200.00 |  | 1025 | No |  | 0 |  |  | 3200 | 1.07 | $2980.70 |  |  |  | Yes | $35000.00 |  | NO | $0.00 | $281.60 | $213.08 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 20 | 13 | US Citizen |  | 709 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 680 | 728 | 709 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675231 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $3800.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3500 | 1.03 | $3412.14 | 20230622 | 1 |  | Yes | $21600.00 |  | NO | $0.00 | $177.14 | $320.36 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 105 | 0 | US Citizen | US Citizen | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676010 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $4500.00 |  | 1025 | No |  | 0 |  |  | 4500 | 1.55 | $2901.81 |  |  |  | Yes | $49500.00 |  | NO | $0.00 | $140.04 | $241.58 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 68 | 4 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 768 | 754 | 774 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 4 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675098 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250701 | Bank Statement | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 |  | No |  | 0 | 46.71 |  | 0 |  | $2499.91 |  |  |  | Yes | $46925.00 |  | YES | $466.00 | $225.86 | $92.18 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 30 | 25 | US Citizen |  | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675100 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow DSCR Fixed 40yr 10YR IO | 20250701 | Debt Service Coverage | Yes | Yes | $18695.00 | $18695.00 | Other | Leases | No |  | 0 |  |  | 17898 | 1.02 | $17467.32 | 20260630 | 12 | No | Yes | $221000.00 |  | NO | $0.00 | $3319.99 | $422.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 48 | 4 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 787 | 799 | 783 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 8 | XXXXX | XXXX | XXXX | XXXX | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676011 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $2900.00 |  | FNMA 1007/216 | No |  | 0 |  |  | 2900 | 1.12 | $2594.44 |  |  |  | Yes | $109000.00 |  | NO | $0.00 | $256.81 | $134.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 13 | 4 | US Citizen |  | 721 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675101 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $2350.00 | $2350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2350 | 1.19 | $1967.21 | 20260131 | 12 | No | Yes | $200000.00 |  | YES | $45.00 | $195.39 | $41.58 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 118 | 2 | US Citizen |  | 769 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 780 | 745 | 769 |  |  |  |  |  |  |  |  | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676014 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $8340.00 |  | FNMA 1007/216 | No | 1007/216 | 8340 |  |  | 8340 | 2.64 | $3159.20 |  |  |  | Yes | $50400.00 |  | YES | $300.00 | $896.25 | $63.59 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 4 | 5 | US Citizen | US Citizen | 811 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675105 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $6900.00 |  | 1025 | No |  | 0 |  |  | 6900 | 1.57 | $4389.81 |  |  |  | Yes | $70000.00 |  | NO | $0.00 | $523.08 | $355.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 9 | 5 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 3 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676019 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | Yes | $7200.00 | $7800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 7200 | 1.22 | $5877.80 | 20250331 | 1 | Yes | Yes | $171000.00 |  | NO | $0.00 | $578.82 | $274.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 66 | 3 | US Citizen |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX |  | $XXXX | 3 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676021 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250901 | Bank Statement | Yes | No | $0.00 | $4700.00 |  | 1025 | No |  | 0 | 28.311 |  | 0 |  | $4620.96 |  |  |  | Yes | $28200.00 |  | NO | $0.00 | $258.60 | $272.86 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 10 | 7 | US Citizen | US Citizen | 770 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | $XXXX | 2 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676023 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $2295.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2295 | 1.65 | $1387.06 |  |  |  | Yes | $43110.00 |  | NO | $0.00 | $127.67 | $158.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 4 | 8 | US Citizen |  | 804 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676024 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow DSCR Fixed 40yr 10YR IO | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1 | $1798.92 |  |  |  | Yes | $13200.00 |  | YES | $132.00 | $76.53 | $115.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 119 | 2 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XX |  | US Citizen | Stated, Verified | 742 | 772 | 779 | XXXX | XXXX |  | US Citizen | Stated, Verified | 744 | 789 | 754 | Employed | Employed | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1675111 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $5850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7350 | 1.06 | $6913.62 |  |  |  | Yes | $183400.00 |  | NO | $0.00 | $1227.30 | $160.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 112 | 12 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675116 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $3936.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 3936 |  |  | 3936 | 1.18 | $3336.58 |  |  |  | Yes | $30000.00 |  | YES | $1333.00 | $425.99 | $93.26 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 5 | 0 | US Citizen | US Citizen | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676027 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 30-Year Fixed | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $6000.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 7652 |  |  | 7652 | 1.34 | $5710.54 |  |  |  | Yes | $40700.00 |  | NO | $0.00 | $1011.08 | $802.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 157 | 0.1 | US Citizen | US Citizen | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676030 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR W/BRDG | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.01 | $2382.36 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $418.94 | $118.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 40 | 45 | US Citizen |  | 732 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 681 | 732 | 764 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676031 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR W/BRDG | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.02 | $2157.95 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $381.53 | $118.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 43 | 45 | US Citizen |  | 732 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 681 | 732 | 764 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676032 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250901 | Debt Service Coverage | Yes | Yes | $11200.00 | $11400.00 |  | FNMA 1007/216 | No |  | 0 |  |  | 11400 | 1.12 | $10182.36 | 20250501 | 12 |  | Yes | $63000.00 |  | NO | $0.00 | $1365.10 | $386.34 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 110 | 45 | US Citizen |  | 732 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 681 | 732 | 764 |  |  |  |  |  |  |  |  | Employed |  | XXXX |  | $XXXX | 4 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676033 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $2090.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2090 | 1.01 | $2065.59 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $416.67 | $118.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 23 | 45 | US Citizen |  | 732 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 681 | 732 | 764 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676250 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250701 | Debt Service Coverage | Yes | No | $0.00 | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2550 | 1 | $2544.92 |  |  |  | Yes | $17000.00 |  | YES | $65.00 | $149.58 | $191.93 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 4 | 0.3 | US Citizen |  | 671 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1675112 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250701 | Debt Service Coverage | Yes | Yes | $8300.00 | $7000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 8300 | 1.06 | $7860.17 | 20260531 | 12 |  | Yes | $83000.00 |  | YES | $207.50 | $1396.23 | $183.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 89 | 39 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | XXXX |  | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676038 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250901 | Bank Statement | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 46.456 |  | 0 |  | $1983.20 |  |  |  | Yes | $34000.00 |  | YES | $429.00 | $126.93 | $68.59 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 27 | 1 | US Citizen |  | 810 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676041 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor Income Qualified Bank Statement: 30 - Year Fixed | 20250901 | Bank Statement | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 17.448 |  | 0 | 0 | $3987.88 |  |  |  | Yes | $47700.00 |  | NO | $0.00 | $363.10 | $156.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 76 | 4 | US Citizen |  | 756 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |
| 1676044 | XXXXX | XXXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $2650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2650 | 1.42 | $1866.33 |  |  |  | Yes | $12000.00 |  | YES | $417.00 | $179.42 | $78.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 83 | 0 | US Citizen | US Citizen | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 798 | 789 | 783 | XXXX | XXXX |  | US Citizen | Stated, Verified | 751 | 744 | 729 | Not Required | Not Required | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |  |
| 1676049 | XXXXX | XXXXX | XXXX | XXXX | XXXX | LMC Investor Cash Flow Fixed DSCR | 20250901 | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4500 | 1.32 | $3419.44 |  |  |  | Yes | $100000.00 |  | NO | $0.00 | $831.04 | $450.98 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 84 | 9 | US Citizen |  | 656 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | $XXXX | 1 | XXXXX | XXXX | XXXX | XXXX | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.07 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 10/10/2025 8:38:20 AM** | **Run Date - 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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 4 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **Loan Program Date** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Default Rate** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** |
| 1676210 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 3 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250611 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 Yr Fixed 3 Yr PPP Step Dn | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.5 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 115 |  | No |  | FALSE |  |  |  |  |  |
| 1676171 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250407 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 Yr Fixed 3 Yr PPP | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.86 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 115 |  | No |  | FALSE |  |  |  |  |  |
| 1676172 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250611 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.53 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 41 |  | No |  | FALSE |  |  |  |  |  |
| 1676173 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250521 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | 20250121 |  |  |  |  | 0 | 3.4 |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |
| 1676175 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X500 | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250423 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 | 4.8 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.6 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |
| 1676176 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250605 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Corporation | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |
| 1676177 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250616 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED 4 YR PPP | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.33 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |
| 1676179 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250725 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |
| 1676181 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250606 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.22 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |
| 1676182 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | 20250806 | 0.00% | XXXX | XXXX | 7.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 48.733% |  |  | 20250604 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 7/15/2025 30 months;<br> [Borrower - Primary Income - Wages] Paystubs - 1/2025-6/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 8/5/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | CACT 30 Yr Fixed | XXXX | 20250121 |  | $17403.75 |  |  | 0 | 3.3 |  | No |  | N/A | 7.75 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |
| 1676184 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250617 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.41 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 3 |  | No |  | FALSE |  |  |  |  |  |
| 1676186 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250709 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 | 2 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.3 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 105 |  | No |  | FALSE |  |  |  |  |  |
| 1676189 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250714 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 | 4 |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 |  |  | No | Fee Simple | Limited Liability Corp | DSCR+Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1676190 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250715 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 | 1.1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |
| 1676191 | XXXX | XXXX | Exempt | XXXX | Yes | No |  |  | 20250725 | 0.00% | XXXX | XXXX | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 49.971% |  |  | 20250711 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 04/14/2025-05/25/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 05/01/2025 - 28 months;<br> [Borrower - Primary Income - Wages] VVOE - 08/11/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | CACT 30 Yr Fixed | XXXX | 20250121 |  | $5823.75 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 100 |  | No |  | FALSE |  |  |  |  |  |
| 1676192 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250714 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | BPACC 30 YR FIXED NO PPP | XXXX | 20250121 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |
| 1429315 | XXXX | XXXX | Exempt | XXXX | No | No |  |  | 20220712 | 0.00% | XXXX | XXXX | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20220712 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | DSCR | XXXX | 20210704 |  | $0.00 |  |  | 0 | 2.2 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 5638 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |
| 1431755 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 9.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20220721 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR | XXXX | 20220801 |  |  |  |  | 0 | 3.7 |  | No |  | N/A | 9.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 1 |  | No |  | FALSE |  |  |  |  |  |
| 1675022 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1595.00 | $4757.42 | 20250812 | 7.321% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX |  |  |  |  |  | 43.397% | 43.397 |  | 20250721 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Bank Statements - Personal - 5/1/2025-7/15/2025-2.5 months;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 7/17/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 5/2025-6/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 80 |  | No |  | FALSE |  |  |  |  |  |
| 1631545 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $18576.67 | $20883.85 | 20241113 | 8.592% | XXXX | XXXX | 8.25% | No | Yes | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 46.383% |  | 46.383% | 20240913 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2024-9/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 1/2023-12/2023;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2022-12/2022;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 10-2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9-2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 10-2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20241001 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |
| 1676000 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22752.99 | $13369.38 | 20250903 | 8.088% | XXXX | XXXX | 7.75% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Reserve at Red Rock | AZ | $259.00 |  | Monthly | 49.624% |  | 49.624% | 20250822 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% | 50% |  | [Borrower - Primary Income - Wages] Paystubs - 1/2025-8/2025-8 months;<br> [Borrower - Primary Income - Wages] Secretary of State (SOS) - 9/2/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 1/9/2025;<br> [Borrower - Primary Income - Wages] VVOE - 9/2/2025;<br> [Borrower - Primary Income - Wages] Self-Employment Questionnaire (SEQ) - 8/25/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-7/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/16/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 9/2/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 8/27/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 | 7 | 20180302 | 20200313 | 2 | 64 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250901 |  | $22752.99 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |
| 1675323 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 8 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250423 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.16 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 6286 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1675025 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.00% | Yes | Yes | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250527 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.52 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |
| 1675026 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 6 |  | AE | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250807 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 9960 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |
| 1671982 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1495.00 | $2334.75 | 20250627 | 7.61% | XXXX | XXXX | 7.50% | No | No | Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | ENTERPRISE/COFFEE COUNTY | AL | $150.00 |  | Annually | 27.526% | 27.526 |  | 20250523 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Non-Primary Income - Retirement] 1099 - 2023;<br> [Co Borrower 1 - Non-Primary Income - Retirement] 1099 - 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;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 6/2025;<br> [Borrower - Primary Income - Wages] Third Party Verification - 6/2025-212MO.;<br> [Borrower - Non-Primary Income - Retirement] Paystubs - 5/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 4/2025-5/2025-2months; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250602 |  | $1495.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 1846 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 121 |  | No |  | FALSE |  |  |  |  |  |
| 1675027 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23551.25 | $27690.59 | 20250806 | 8.637% | XXXX | XXXX | 8.25% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 35.328% |  | 35.328% | 20250724 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 6/24-5/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 6-2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 7-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $23551.25 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 69 |  | No |  | FALSE |  |  |  |  |  |
| 1671773 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11058.92 | $14216.94 | 20250710 | 7.856% | XXXX | XXXX | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX | Atlantic Rose | FL | $605.00 |  | Monthly | 41.844% | 41.844 |  | 20250429 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 03/2025-06/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 6-2025 30 Months;<br> [Borrower - Primary Income - Wages] VVOE - 6-2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $11058.92 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |
| 1675030 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6095.00 | $7179.50 | 20250805 | 7.91% | XXXX | XXXX | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | The Enclave at Hayden Hills | MN | $440.04 | 20260101 | Annually | 40.235% |  | 40.235% | 20250611 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 0% |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2023-07/2025-24 mo;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 04/2025-06/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025;<br> [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 Transcript - 2024; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $6095.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 2 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |
| 1675031 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250522 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.87 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 152 |  | No |  | FALSE |  |  |  |  |  |
| 1675287 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22273.15 | $26536.85 | 20250804 | 9.297% | XXXX | XXXX | 8.75% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 39.28% |  | 39.28% | 20250529 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 80% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-06/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/29/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/24/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/29/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20250701 |  | $22273.15 |  |  | 0 |  |  | No |  | N/A | 8.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |
| 1671943 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13163.48 | $15974.06 | 20250805 | 7.45% | XXXX | XXXX | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Bayhill Pointe | VA | $43.33 |  | Monthly | 48.94% |  | 48.94% | 20250715 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 5/31/2025-6/27/2025-1 month;<br> [Borrower - Non-Primary Income - Retirement] Pension Letter - 1/31/2025;<br> [Borrower - Primary Income - Wages] WVOE - 7/10/2025 - 21 months;<br> [Borrower - Non-Primary Income - Retirement] Pension Letter - 5/30/2023;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Non-Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 6/1/2025-7/12/2025-1.50 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 7/9/2025 - 279 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 7/11/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $13163.48 |  |  | 0 |  |  | No |  | N/A | 6.999 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |
| 1675033 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12023.82 | $12861.50 | 20250820 | 8.036% | XXXX | XXXX | 7.63% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Glenbrook | WI | $200.04 | 20260101 | Annually | 49.007% |  | 49.007% | 20250721 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 60% |  | 50% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-06/2025-24 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 05/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2018;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 04/2018;<br> [Co Borrower 1 - Non-Primary Income - Bank Statements] VVOE - 08/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1675034 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 3 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250618 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.7 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 76 |  | No |  | FALSE |  |  |  |  |  |
| 1674650 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $11256.06 | $13973.57 | 20250825 | 7.938% | XXXX | XXXX | 7.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX | Englewood Golf Course | FL | $513.00 |  | Monthly | 41.67% | 41.67 |  | 20250625 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% | 100% |  | [Borrower - Primary Income - Sole Proprietor] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 04/2025-05/2025 2 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 05/2025-06/2025 2 months;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 07/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 06/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Investment Statements - 04/2025-05/2025 2 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 05/2025-06/2025 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Qualifier Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 185 |  | No |  | FALSE |  |  |  |  |  |
| 1675035 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250627 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 11075 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 190 |  | No |  | FALSE |  |  |  |  |  |
| 1672403 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $30317.15 | $35443.50 | 20250811 | 8.154% | XXXX | XXXX | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | C | XXXX | XXXX | Country Ridge | WA | $528.00 | 20260101 | Annually | 42.779% |  | 42.779% | 20250625 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-07/2025-8 mo;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 10/2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 04/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025;<br> [Borrower - Primary Income - Bank Statements] WVOE - 07/2025-36 mo;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $30317.15 |  |  | 0 |  |  | No |  | N/A | 7.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 36 |  | No |  | FALSE |  |  |  |  |  |
| 1671752 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14633.75 | $15276.57 | 20250725 | 8.288% | XXXX | XXXX | 8.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | C | XXXX | XXXX |  |  |  |  |  | 40.441% | 40.441 |  | 20250507 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 03/2025-04/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] 1099 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 07/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 05/2025-07/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1672359 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14725.13 | $17355.11 | 20250811 | 7.854% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Westlake Estates | OH | $125.04 | 20260101 | Annually | 38.689% |  | 38.689% | 20250618 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 15% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2023-07/2025- 24 mo;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 8/2023-07/2025-24 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 06/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 06/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |
| 1674064 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $23106.19 | $26231.50 | 20250814 | 7.788% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | DAYBREAK | UT | $255.00 |  | Monthly | 46.254% | 46.254 |  | 20250611 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 70% | 58.75% | 100% | Borrower Prepared | [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025 ;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 10/2024 - 7/2025 - 9 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 7/2025 - 12 month; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $23106.19 |  |  | 15000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 7724 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |
| 1672126 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $20763.95 | $24980.41 | 20250808 | 7.469% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Azario Esplanade | FL | $422.04 |  | Annually | 37.077% |  | 37.077% | 20250623 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 7/2024- 6/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 5/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/1999; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $20763.95 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 9133 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 38 |  | No |  | FALSE |  |  |  |  |  |
| 1675036 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250630 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |
| 1672127 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6595.55 | $6173.80 | 20250808 | 7.471% | XXXX | XXXX | 7.13% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 36.57% | 36.57 |  | 20250630 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 6/25/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 6/25/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 4/1/2025-5/31/2025-2 months;<br> [Co Borrower 1 - Primary Income - Retirement] Tax Returns – Personal - 4/1/2025-5/31/2025-2 months; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $6595.55 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 1 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 267 |  | No |  | FALSE |  |  |  |  |  |
| 1675037 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250626 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 18767 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 60 |  | No |  | FALSE |  |  |  |  |  |
| 1671756 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7168.08 | $7627.45 | 20250731 | 8.029% | XXXX | XXXX | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 41.723% |  | 41.723% | 20250702 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 6/2023-5/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7-2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 7-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 1322 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 55 |  | No |  | FALSE |  |  |  |  |  |
| 1671842 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7283.28 | $10423.24 | 20250802 | 7.712% | XXXX | XXXX | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | 787 La Playa St.Condos | CA | $524.00 |  | Monthly | 42.14% |  | 42.14% | 20250603 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 7-2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Fixed 10 Yr Interest Only 30 Yr Term | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX | Fully Amortized |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |
| 1674436 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8190.55 | $9903.28 | 20250801 | 7.787% | XXXX | XXXX | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Rancho Vista Estates | UT | $12.50 |  | Monthly | 32.558% |  | 32.558% | 20250703 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 7/16/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/1/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 7/29/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 7/2024-6/2025-12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $8190.55 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 3 |  | No |  | FALSE |  |  |  |  |  |
| 1671777 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17773.59 | $18534.53 | 20250731 | 7.987% | XXXX | XXXX | 7.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX |  |  |  |  |  | 44.946% |  | 44.946% | 20250602 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025-06/2025;<br> [Borrower - Primary Income - Wages] Work Number - 07/2025 30 months;<br> [Borrower - Primary Income - Wages] VVOE - 07/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime Alt-A Fixed Full Doc 10 Yr IO 40 Yr Term | XXXX | 20250701 |  | $0.00 |  |  | 5875 |  |  | No |  | N/A | 7.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 139 |  | No |  | FALSE |  |  |  |  |  |
| 1671791 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17276.13 | $22343.35 | 20250725 | 7.77% | XXXX | XXXX | 7.38% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 31.694% |  | 31.694% | 20250613 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 50% |  | 100% |  | [Borrower - Primary Income - Wages] Paystubs - 6-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 7/2025 31 Months;<br> [Borrower - Primary Income - Wages] Employer Letter - 1-2025;<br> [Borrower - Primary Income - Wages] VVOE - 7-2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Bank Statements - Personal - 6/2024-5/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 7-2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Secretary of State (SOS) - 3-2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 7-2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 7-2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 5000 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |
| 1675038 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250623 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3544 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 151 |  | No |  | FALSE |  |  |  |  |  |
| 1674069 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1925.00 | $5685.58 | 20250811 | 8.206% | XXXX | XXXX | 8.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Meadows at Bluebonnet Hill | TX | $500.04 |  | Annually | 29.192% |  | 29.192% | 20250707 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/2019;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2019;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2019;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5243 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 92 |  | No |  | FALSE |  |  |  |  |  |
| 1672078 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11510.98 | $14639.18 | 20250804 | 7.795% | XXXX | XXXX | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 28.773% |  | 28.773% | 20250613 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Employer Letter - 4-2025;<br> [Borrower - Primary Income - Wages] Paystubs - 7-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 7-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 7-2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 7-2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed w/BRDG | XXXX | 20250701 |  | $11510.98 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |
| 1671954 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $15095.00 | $19206.08 | 20250805 | 8.35% | XXXX | XXXX | 8.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 45.965% | 45.965 |  | 20250703 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 7/2025 - 139 months;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 7/2025 - 139 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 6/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 7/2025 - 96 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed 2nd Home | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 11675 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |
| 1671917 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $34040.13 | $43489.51 | 20250808 | 7.637% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | VE | XXXX | XXXX |  |  |  |  |  | 46.507% | 46.507 |  | 20250705 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 8-2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 6-2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 6/2025-7/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 6/2025-7/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 6/2025-7/2025;<br> [Borrower - Primary Income - Retirement] Investment Statements - 6/2025-7/2025;<br> [Borrower - Primary Income - Wages] Third Party Verification - 2024;<br> [Borrower - Primary Income - Wages] Third Party Verification - 2023; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 241 |  | No |  | FALSE |  |  |  |  |  |
| 1675041 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250609 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 5000 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 26 |  | No |  | FALSE |  |  |  |  |  |
| 1675042 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6395.00 | $7359.50 | 20250808 | 7.815% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Carrollton Park | LA | $120.00 | 20260101 | Annually | 46.968% |  | 46.968% | 20250621 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20250701 |  | $6395.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |
| 1671758 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $34616.97 | $33012.50 | 20250805 | 7.902% | XXXX | XXXX | 6.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 38.243% |  | 38.243% | 20250604 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 8/2025;<br> [Borrower - Primary Income - Wages] WVOE - 7/2025 -43 months; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $34616.97 |  |  | 0 |  |  | No |  | N/A | 6.25 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 7106 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |
| 1671778 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13594.56 | $14323.19 | 20250731 | 7.575% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  | $395.04 |  | Annually | 49.005% |  | 49.005% | 20250702 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 7-2025 31 Months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |
| 1671950 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10822.04 | $13610.80 | 20250801 | 9.635% | XXXX | XXXX | 9.13% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 45.612% |  | 45.612% | 20250617 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/04/2025-07/01/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] 1099 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 07/15/2025 - 13 months;<br> [Borrower - Primary Income - Wages] VVOE - 07/15/2025 - Prior employment;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 05/25/2025-06/21/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 07/15/2025 - 25 months;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 07/15/2025 - Prior employment; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Expanded Approval AA Full Doc Fixed W/BRDG | XXXX | 20250701 |  | $10822.04 |  |  | 0 |  |  | No |  | N/A | 9.125 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | 000000000000001000000000 |  |  |  | Declining |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |
| 1675043 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6857.50 | $7440.40 | 20250828 | 7.832% | XXXX | XXXX | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 22.041% |  | 22.041% | 20250711 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-6/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 3-2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8-2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 5-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $9148.34 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 75 |  | No |  | FALSE |  |  |  |  |  |
| 1675044 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 32.318% |  |  | 20250710 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 7-2025 31 Months;<br> [Borrower - Primary Income - Wages] VVOE - 7-2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Full Doc: 30 - Year Fixed | XXXX | 20250701 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 82 |  | No |  | FALSE |  |  |  |  |  |
| 1675046 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9415.00 | $11224.50 | 20250814 | 7.863% | XXXX | XXXX | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 37.659% |  | 37.659% | 20250710 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 6/9/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/4/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 10/25/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-6/2025-8 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 5000 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 51 |  | No |  | FALSE |  |  |  |  |  |
| 1673981 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7764.57 | $9625.10 | 20250806 | 7.897% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 37.812% |  | 37.812% | 20250709 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-06/2025- 24 mo;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250801 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1671955 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $13596.32 | $17771.82 | 20250804 | 7.931% | XXXX | XXXX | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 43.28% | 43.28 |  | 20250630 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 5/2025-7/2025 - 3 months;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 6/2025 - 07/2025 - 2 months; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20250701 |  | $13596.32 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 615 |  | No |  | FALSE |  |  |  |  |  |
| 1675047 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14523.57 | $17535.32 | 20250814 | 7.826% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 49.665% |  | 49.665% | 20250604 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 45% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2023-6/2025-24 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 4/29/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 7/22/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/1/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/1/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 8/1/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 6/2/2025-6/29/2025-1 month;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 1500 |  |  | No |  | N/A | 7.5 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |
| 1675050 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $23150.63 | $28010.21 | 20250807 | 8.308% | XXXX | XXXX | 8.00% | No | No | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 49.122% |  | 49.122% | 20250701 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025 - 48 MONTHS;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 7/2024 -6/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024 - 6/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval AA Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 13520 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 102 |  | No |  | FALSE |  |  |  |  |  |
| 1676001 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250701 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  |  |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.38 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 1520 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 85 |  | No |  | FALSE |  |  |  |  |  |
| 1671843 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17890.00 | $27196.06 | 20250806 | 8.038% | XXXX | XXXX | 7.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Pinery West | CO | $309.96 |  | Annually | 47.973% |  | 47.973% | 20250716 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 100% |  | [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Borrower - Primary Income - S-Corp] Investment Statements - 04/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Secretary of State (SOS) - 07/2025;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Other - 7/2025;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] W-2 Transcript - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Borrower] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed 10 YR I/O 40 YR Term w/Bridge | XXXX | 20250801 |  | $0.00 |  |  | 6000 |  |  | No |  | N/A | 7.875 | 1 | 0 | 2 | 1 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX | Fully amortized payment |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |
| 1675051 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250711 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.76 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |
| 1671918 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9272.97 | $10821.53 | 20250805 | 7.978% | XXXX | XXXX | 7.25% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Tiburon Estates | NV | $293.00 |  | Monthly | 42.982% |  | 42.982% | 20250711 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 6/17/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 12/18/2024; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 500 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |
| 1671761 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8752.90 | $9488.74 | 20250730 | 7.394% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX |  |  |  |  |  | 37.872% |  | 37.872% | 20250715 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Third Party Verification - 1/2024-12/2024-12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-6/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/13/2019;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 4/23/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 7/21/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/30/2025;<br> [Borrower - Primary Income - Bank Statements] Paystubs - 6/20/2025-6/27/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $8752.90 |  |  | -37.38 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |
| 1675052 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6980.93 | $8472.08 | 20250815 | 9.058% | XXXX | XXXX | 8.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 45.725% |  | 45.725% | 20250520 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 70% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 6/2023 - 7/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/2025 - 105 MONTHS; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 6200 |  |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6315 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1675053 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Redondo Beach | CA | $0.00 |  | Monthly |  |  |  | 20250624 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 124 |  | No |  | FALSE |  |  |  |  |  |
| 1675054 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Redondo Beach | CA | $0.00 | 20250801 | Monthly |  |  |  | 20250624 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 114 |  | No |  | FALSE |  |  |  |  |  |
| 1675057 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $21903.00 | $26224.58 | 20250811 | 8.10% | XXXX | XXXX | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Covered Bridge Canyon | TX | $750.00 | 20260101 | Annually | 32.731% |  | 32.731% | 20250725 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Paystubs - 06/2025-07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 08/2023;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |
| 1675058 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13545.00 | $16630.56 | 20250811 | 8.326% | XXXX | XXXX | 8.00% | No | No | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Heritage | NC | $699.96 |  | Annually | 32.304% |  | 32.304% | 20250618 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 11/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed 10 YR I/O 40 YR Term w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5056 | Equifax Beacon 5 | XXXX | Fully Amortized Payment |  | XXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |
| 1673880 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $33520.00 | $38732.72 | 20250813 | 7.729% | XXXX | XXXX | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX | Bella Sole at Riverdale | FL | $4500.00 | 20260101 | Annually | 27.541% |  | 27.541% | 20250701 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $33520.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |
| 1671919 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9320.00 | $11494.19 | 20250807 | 8.086% | XXXX | XXXX | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Southshore | CO | $30.00 | 20250901 | Monthly | 14.056% |  | 14.056% | 20250715 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 100% |  |  | [Borrower - Primary Income - C-Corp] CPA Letter - 07/2025;<br> [Borrower - Primary Income - C-Corp] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - C-Corp] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - C-Corp] VVOE - 07/2025;<br> [Borrower - Primary Income - C-Corp] Secretary of State (SOS) - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20250701 |  | $9320.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |
| 1672195 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6395.00 | $7684.50 | 20250808 | 8.108% | XXXX | XXXX | 7.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Ocean Village Club | FL | $637.00 |  | Monthly | 42.434% | 42.434 |  | 20250715 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 7-2025 31 Months;<br> [Borrower - Primary Income - Wages] VVOE - 8-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 7-2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 7-2025 31 Months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 8-2025;<br> [Borrower - Primary Income - Wages] Paystubs - 7-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |
| 1674076 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $56945.94 | $70736.71 | 20250812 | 8.024% | XXXX | XXXX | 7.75% | No | No | Retired | Self-Employed | Self-Employed |  |  | 2018-05-24T00:00:00 |  | No | No | No |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 42.289% | 42.289 |  | 20250612 | 796 | 724 | 708 | 740 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 5 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  | 100% |  | [Borrower - Non-Primary Income - Retirement] SS Award Letter - 3-2025 3 Months;<br> [Borrower - Primary Income - Retirement] K-1 - 2024;<br> [Borrower - Primary Income - Retirement] K-1 - 2023;<br> [Borrower - Primary Income - Retirement] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Retirement] Other - 4-2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Secretary of State (SOS) - 10-2017;<br> [Co Borrower 1 - Primary Income - S-Corp] 1120 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] 1120 - 2023;<br> [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 5-2025 5 Months;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 8-2025;<br> [Co Borrower 2 - Primary Income - S-Corp] Secretary of State (SOS) - 3-2025;<br> [Co Borrower 2 - Primary Income - S-Corp] P&L Statement - 5-2025 5 Months;<br> [Co Borrower 2 - Primary Income - S-Corp] P&L Statement - 4-2025 3 Months;<br> [Co Borrower 2 - Primary Income - S-Corp] P&L Statement - 4-2025 2 Months;<br> [Co Borrower 2 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] Tax Returns – Business - 2023;<br> [Co Borrower 2 - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 2 - Primary Income - S-Corp] W-2 - 2023;<br> [Co Borrower 2 - Primary Income - S-Corp] Other - 2025;<br> [Co Borrower 1 - Primary Income - S-Corp] VVOE - 8-2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 2] Transcripts - 2024;<br> [Co Borrower 2] Transcripts - 2023;<br> [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 50000 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 3 | 0 | 4 | 0 | 0 | 48 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  | 724 |  |  |  |
| 1671789 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9996.88 | $13342.26 | 20250801 | 7.881% | XXXX | XXXX | 7.50% | Yes | Yes | Self-Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Via Diaman | AZ | $139.00 |  | Monthly | 35.155% |  | 35.155% | 20250717 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Third Party Verification - 7/21/2020;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 7/16/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/14/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 7/25/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 7/2024-6/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 5/1/2025-6/30/2025-2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $9996.88 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 357 |  | No |  | FALSE |  |  |  |  |  |
| 1675061 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 10 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250715 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  |  |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.5 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |
| 1676002 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 5 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250731 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1675063 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $22219.25 | $25141.16 | 20250825 | 7.305% | XXXX | XXXX | 7.00% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 38.816% | 38.816 |  | 20250813 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025-08/2025;<br> [Borrower - Primary Income - Wages] Work Number - 08/2025-31 mo; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $22219.25 |  |  | 0 |  |  | No |  | N/A | 6.99 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 114 |  | No |  | FALSE |  |  |  |  |  |
| 1675746 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $25902.60 | $28844.90 | 20250820 | 7.557% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 41.232% |  | 41.232% | 20250612 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4690 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1674080 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $28442.31 | $36731.15 | 20250819 | 7.466% | XXXX | XXXX | 7.25% | No | No | Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Carmel Cove | CA | $880.00 | 20250901 | Monthly | 30.717% | 30.717 |  | 20250710 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] SS Award Letter - 06/2025;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 06/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 03/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025 -07/2025;<br> [Borrower - Primary Income - Wages] Pension Letter - 06/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $28442.31 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 85 |  | No |  | FALSE |  |  |  |  |  |
| 1672129 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7955.00 | $10231.87 | 20250808 | 7.744% | XXXX | XXXX | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 6.603% |  | 6.603% | 20250715 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 6/2024-5/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8-2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $7955.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 108 |  | No |  | FALSE |  |  |  |  |  |
| 1671775 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17226.06 | $22147.18 | 20250806 | 8.35% | XXXX | XXXX | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Hooper Creek Farms | NC | $1200.00 | 20260101 | Annually | 39.799% |  | 39.799% | 20250512 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025-12 mo;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2024;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250801 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |
| 1674758 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14725.25 | $16953.38 | 20250812 | 8.739% | XXXX | XXXX | 8.38% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 48.284% |  | 48.284% | 20250522 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2025 - 2 months;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 06/2025 - 2 months;<br> [Borrower - Primary Income - Bank Statements] SS Award Letter - 01/2025-12 months;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 12/2024-01/2025;<br> [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 03/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 01/2025 - 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2791 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 205 |  | No |  | FALSE |  |  |  |  |  |
| 1674081 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13771.25 | $15552.39 | 20250818 | 8.251% | XXXX | XXXX | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 36.268% |  | 36.268% | 20250711 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2023 - 7/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 1/2004;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $13771.25 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 3725 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |
| 1676003 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $44936.26 | $55558.00 | 20250909 | 7.901% | XXXX | XXXX | 7.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Harbor House | CT | $3066.00 |  | Monthly | 44.822% |  | 44.822% | 20250620 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 50% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-08/2025 - 4 accounts;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-08/2025 - 4 accounts;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/13/2025 - Family Dental Care of Stamford LLC;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/16/2025 - Family Dental Care of Stamford LLC;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/15/2025 - 682 BPR AFR LLC;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/15/2025 - 682 BPR AFR LLC;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-08/2025 - 4 accounts;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-08/2025 - 4 accounts;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/13/2025 - Family Dental Care of Stamford LLC;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/16/2025 - Family Dental Care of Stamford LLC;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/15/2025 - 682 BPR AFR LLC;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/15/2025 - 682 BPR AFR LLC;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 08/26/2025 - Family Dental Care pf Stamford LLC;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/26/2025 - Saffron Property Investments LLC;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/26/2025 - AFR Properties LLC;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/26/2025 - Fromzel & Kuperman LLC;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 09/03/2025 - Family Dental Care of Stamford LLC;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/03/2025 - Fromze; & Kuperman LLC; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A 12 mos Bank Stmt Fixed 10 YR I/O 30 YR Term w/BRDG | XXXX | 20250901 |  | $44936.26 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |
| 1674084 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $14021.89 | $16801.78 | 20250812 | 7.351% | XXXX | XXXX | 7.13% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 46.983% | 46.983 |  | 20250728 | 828 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Investment Statements - 04/2025-06/2025 3 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2025-07/2025 - 2 months;<br> [Borrower - Primary Income - Bank Statements] Other - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Qualifier Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization | 3951 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 455 |  | No |  | FALSE |  |  |  |  |  |
| 1675065 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $20595.00 | $23165.45 | 20250820 | 7.502% | XXXX | XXXX | 7.25% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | OLALLA | WA | $2400.00 |  | Annually | 42.299% | 42.299 |  | 20250721 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 7/2025 ;<br> [Borrower - Primary Income - Wages] Work Number - 7/2025 - 31 MONTHS;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025 - 7/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 6/2025 - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 7/2025 - 37 MONTHS;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] 4506 or 4506T - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 2/2025 - 4/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024; | [Borrower] Transcripts - 2024;<br> [Borrower] 4506 or 4506T - 2025; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $20595.00 |  |  | 15000 |  |  | No |  | N/A | 7.25 | 1 | 1 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 11509 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |
| 1675066 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250707 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.87 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1674085 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9572.09 | $10890.66 | 20250815 | 8.085% | XXXX | XXXX | 7.75% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Harbor Cove | MO | $55.00 |  | Monthly | 33.085% |  | 33.085% | 20250717 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-6/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 8/11/225; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 87 |  | No |  | FALSE |  |  |  |  |  |
| 1675068 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250723 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  |  |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3212 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 46 |  | No |  | FALSE |  |  |  |  |  |
| 1675069 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22733.69 | $28116.44 | 20250825 | 7.24% | XXXX | XXXX | 7.00% | No | No | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Dove Canyon | CA | $320.00 |  | Monthly | 49.211% |  | 49.211% | 20250616 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% |  | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/06/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/23/2023;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/19/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 06/22/2025-07/19/2025 - Univ of Ca;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 07/28/2025 - 31 months - Univ of Ca;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 05/24/2025-07/27/2025 - CNI;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 05/29/2025 - CNI;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 08/19/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 31000 |  |  | No |  | N/A | 6.999 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1675070 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10125.00 | $11559.08 | 20250822 | 7.887% | XXXX | XXXX | 7.50% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | SOUTHEAST RENO | NV | $323.00 |  | Monthly | 40.378% | 40.378 |  | 20250714 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 5/2025 - 6/2025;<br> [Borrower - Primary Income - Wages] VVOE - 8/2025;<br> [Borrower - Primary Income - Wages] Work Number - 7/2025 - 66 months;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 3/2025 - 8/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $10125.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3170 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 130 |  | No |  | FALSE |  |  |  |  |  |
| 1674087 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $22597.00 | $33307.50 | 20250813 | 7.464% | XXXX | XXXX | 7.25% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 37.209% | 37.209 |  | 20250722 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6/15/2025-8/2/2025-2.5 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 8/11/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Non-Primary Income - Social Security] W-2 Transcript - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Fixed W/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 81 |  | No |  | FALSE |  |  |  |  |  |
| 1676251 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250904 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | -4080 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 45 |  | No |  | FALSE |  |  |  |  |  |
| 1675072 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Waterbridge | SC | $50.00 |  | Monthly |  |  |  | 20250624 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 13350 |  |  | No |  | N/A | 7.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.9 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 251 |  | No |  | FALSE |  |  |  |  |  |
| 1675073 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX |  |  |  |  |  | 11.071% |  |  | 20250611 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 6/2023 - 6/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement | 16829 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |
| 1672406 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9255.81 | $12781.35 | 20250812 | 7.73% | XXXX | XXXX | 7.38% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 33.133% |  | 33.133% | 20250723 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $9255.81 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2535 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 61 |  | No |  | FALSE |  |  |  |  |  |
| 1675074 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $33212.50 | $34734.26 | 20250822 | 7.50% | XXXX | XXXX | 7.25% | No | No | Not Required | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | D | XXXX | XXXX |  |  |  |  |  | 44.789% |  | 44.789% | 20250725 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 75% |  | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 7/26/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 8/18/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 7/2023-6/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/15/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | -3737.5 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Trust | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |
| 1674090 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8420.93 | $12057.49 | 20250807 | 7.826% | XXXX | XXXX | 7.63% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 48.097% |  | 48.097% | 20250715 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2025 12 months ;<br> [Co Borrower 1 - Non-Primary Income - Retirement] SS Award Letter - 01/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2025 12 mo; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1069 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1676055 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | SKALKAHO | MT | $200.04 |  | Annually |  |  |  | 20250716 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 14401 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 319 |  | No |  | FALSE |  |  |  |  |  |
| 1675076 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $4599.53 | $5873.21 | 20250820 | 7.406% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | MILLGATE | TN | $314.00 |  | Monthly | 37.831% | 37.831 |  | 20250715 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 5/2025 - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 3339 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 330 |  | No |  | FALSE |  |  |  |  |  |
| 1675078 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX | RIVER RANCH | FL | $519.96 |  | Annually |  |  |  | 20250709 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.64 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 2926 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1674365 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11660.00 | $15856.50 | 20250820 | 7.891% | XXXX | XXXX | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Summerwind Trails | CA | $83.00 |  | Monthly | 49.658% |  | 49.658% | 20250609 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/22/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 11/05/2021;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/15/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed w/Bridge | XXXX | 20250701 |  | $11660.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |
| 1674093 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $22569.78 | $30066.65 | 20250819 | 7.599% | XXXX | XXXX | 7.38% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 43.846% | 43.846 |  | 20250721 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025-06/2025 ;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 06/2025-07/2025 ;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |
| 1674969 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12071.02 | $13485.14 | 20250820 | 8.057% | XXXX | XXXX | 7.75% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Donala | CO | $64.92 |  | Annually | 49.263% | 49.263 |  | 20250710 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% | 100% |  | [Borrower - Primary Income - Sole Proprietor] VVOE - 8/2025;<br> [Borrower - Primary Income - Sole Proprietor] Employer Letter - 7/2025;<br> [Borrower - Primary Income - Sole Proprietor] Other - 8/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 8/2024-7/2025 - 12 months;<br> [Borrower - Primary Income - Retirement] Investment Statements - 9/2025-7/2025; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2022; | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 69 |  | No |  | FALSE |  |  |  |  |  |
| 1675138 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10189.18 | $12695.89 | 20250829 | 7.744% | XXXX | XXXX | 7.13% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 30.258% |  | 30.258% | 20250728 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 08/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025-08/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/2025-08/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 08/2025-125 mo; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $10189.18 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |
| 1674095 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8272.22 | $9851.56 | 20250821 | 8.422% | XXXX | XXXX | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Carrington Woods | SC | $80.00 | 20250901 | Monthly | 40.73% |  | 40.73% | 20250811 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2023;<br> [Borrower - Primary Income - Bank Statements] W-2 - 2023;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20250701 |  | $8272.22 |  |  | 10000 |  |  | No |  | N/A | 7.875 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |
| 1675290 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8055.05 | $8805.63 | 20250829 | 8.267% | XXXX | XXXX | 7.88% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 36.299% |  | 36.299% | 20250703 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] SS Award Letter - 2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 07/2025;<br> [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 10/2012; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $8055.05 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |
| 1676004 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  | 45.272% |  |  | 20250730 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 9/2/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2023 - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2023 - 6/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 6508 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |
| 1675080 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 3 |  | AE | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250729 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 66 |  | No |  | FALSE |  |  |  |  |  |
| 1675082 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250725 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 150 |  | No |  | FALSE |  |  |  |  |  |
| 1675083 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Lake William Condo | MA | $558.00 |  | Monthly |  |  |  | 20250721 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 309 |  | No |  | FALSE |  |  |  |  |  |
| 1675084 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12761.53 | $14430.09 | 20250826 | 7.815% | XXXX | XXXX | 7.38% | No | No | Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Victoria Bay | NC | $79.00 |  | Monthly | 20.772% |  | 20.772% | 20250729 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025 6 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023 12 months;<br> [Borrower - Primary Income - Wages] W-2 - 2024 12 months;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 12/2024 ;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 01/2025 12 months;<br> [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2023 12 months;<br> [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2024 12 months;<br> [Co Borrower 1 - Non-Primary Income - Social Security] W-2 Transcript - 2023;<br> [Co Borrower 1 - Non-Primary Income - Social Security] W-2 Transcript - 2024;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 05/2025-06/2025; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $12761.53 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |
| 1676005 | XXXX | XXXX | Exempt | XXXX | No | Yes |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250724 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 69 |  | No |  | FALSE |  |  |  |  |  |
| 1675800 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9173.94 | $10199.36 | 20250829 | 7.322% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 47.45% |  | 47.45% | 20250724 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-6/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 8/1/2023;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 8/1/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7//31/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/27/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $9173.94 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 225 |  | No |  | FALSE |  |  |  |  |  |
| 1676006 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $9546.84 | $11899.38 | 20250909 | 9.249% | XXXX | XXXX | 8.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 48.636% |  | 48.636% | 20250610 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 Months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20250701 |  | $9546.84 |  |  | 0 |  |  | No |  | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 2002 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1674261 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22344.32 | $24207.21 | 20250822 | 8.113% | XXXX | XXXX | 7.75% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AO | XXXX | XXXX | South Shore | FL | $1160.00 |  | Monthly | 23.941% |  | 23.941% | 20250728 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 43.8% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 7/2024-6/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 6/17/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 2/23/2023;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/19/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 5/28/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/19/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed Second Home | XXXX | 20250701 |  | $0.00 |  |  | 2000 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |
| 1675294 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $17602.30 | $20247.82 | 20250818 | 7.379% | XXXX | XXXX | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Alvarado Estates | CA | $213.00 |  | Monthly | 44.742% | 44.742 |  | 20250609 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 8/2025 - 3 months;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025-7/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Employer Letter - 4/2025;<br> [Borrower - Primary Income - Wages] Other - 8/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Retirement] Investment Statements - 7/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Asset Depletion Fixed | XXXX | 20250701 |  | $17602.30 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 32 |  | No |  | FALSE |  |  |  |  |  |
| 1674103 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $27155.22 | $31758.62 | 20250815 | 7.568% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 30.759% | 30.759 |  | 20250624 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] VVOE - 8/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025 -7/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 8/2025 - 82 months; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 22500 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 9425 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 49 |  | No |  | FALSE |  |  |  |  |  |
| 1675086 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10540.00 | $11377.00 | 20250825 | 7.761% | XXXX | XXXX | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 16.566% |  | 16.566% | 20250731 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $10540.00 |  |  | -233.2 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |
| 1676204 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Fletcher Heights | AZ | $55.00 | 20251001 | Monthly | 23.671% |  |  | 20250717 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 76% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/25;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |
| 1675088 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15154.01 | $15966.43 | 20250829 | 8.384% | XXXX | XXXX | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 36.636% |  | 36.636% | 20250721 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/26/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/26/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $15154.01 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |
| 1674106 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $19916.38 | $22897.05 | 20250818 | 7.797% | XXXX | XXXX | 7.50% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX |  |  |  |  |  | 30.077% | 30.077 |  | 20250722 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Employer Letter - 09/2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 01/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025-07/2025;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025-5 mo;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025- 10 mo;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $19916.38 |  |  | -10800 |  |  | No |  | N/A | 7.5 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |
| 1675091 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14678.00 | $15767.26 | 20250825 | 9.415% | XXXX | XXXX | 9.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 30.516% |  | 30.516% | 20250731 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 55% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-06/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 10/2021;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval AA Bank Stmt Fixed | XXXX | 20250701 |  | $14678.00 |  |  | 0 |  |  | No |  | N/A | 8.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5665 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |
| 1675303 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9020.50 | $10289.76 | 20250822 | 7.926% | XXXX | XXXX | 7.63% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 40.681% | 40.681 |  | 20250804 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6/9/2025-7/20/2025-1.5 months;<br> [Borrower - Primary Income - Wages] Work Number - 8/20/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 8/20/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 5/1/2025-6/30/2025-2 months;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 8/20/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 8/20/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $9020.50 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 3 |  | No |  | FALSE |  |  |  |  |  |
| 1675092 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 5 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250730 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 00 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 17832 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |
| 1674366 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14700.12 | $15889.27 | 20250825 | 8.331% | XXXX | XXXX | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Gansen Lane | UT | $77.00 |  | Monthly | 49.001% |  | 49.001% | 20250728 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024-6/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $14700.12 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1675198 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 4 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250723 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.61 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 47 |  | No |  | FALSE |  |  |  |  |  |
| 1675095 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $19341.95 | $22469.86 | 20250822 | 7.891% | XXXX | XXXX | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 36.277% | 36.277 |  | 20250724 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/2025-07/2025 1 month;<br> [Borrower - Primary Income - Wages] Other - 05/2024-179 months;<br> [Borrower - Primary Income - Wages] Work Number - 08/2025 - 32 months;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $19341.95 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 2191 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1674220 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $20221.60 | $22154.51 | 20250821 | 7.172% | XXXX | XXXX | 7.00% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Pine Forest/Truckee | CA | $1020.00 |  | Annually | 31.354% |  | 31.354% | 20250717 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025;<br> [Borrower - Primary Income - Bank Statements] K-1 - 2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/21/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/05/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/13/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] K-1 - 2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 08/08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 02/21/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/05/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 08/13/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed 10 Yr Interest Only 30 Yr Term | XXXX | 20250701 |  | $20221.60 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1676007 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 24.746% |  |  | 20250708 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 3/2008;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024 - 6/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5393 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 75 |  | No |  | FALSE |  |  |  |  |  |
| 1676169 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8775.68 | $10578.33 | 20250910 | 8.499% | XXXX | XXXX | 8.13% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 41.433% |  | 41.433% |  | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 08/25-64 mo;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 06/2025-8/2025;<br> [Borrower - Primary Income - Wages] Employer Letter - 08/2025;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250901 |  | $0.00 |  |  | -22000 |  |  | No |  | N/A | 8.125 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |
| 1675527 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6271.20 | $8717.46 | 20250903 | 7.503% | XXXX | XXXX | 7.13% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | WENDELL FALLS | NC | $95.00 |  | Monthly | 44.112% | 44.112 |  | 20250729 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 7/2025 - 8 MONTHS;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 7/2025 -8 MONTHS;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 8/2025 - 13MONTHS;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 6/2025 - 7/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 6/2025 - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $6271.20 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC | 2497 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 783 |  | No |  | FALSE |  |  |  |  |  |
| 1675096 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | EMERALD ISLAND RESORT | FL | $107.00 |  | Monthly |  |  |  | 20250728 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.84 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 31642 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |
| 1675097 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $27047.77 | $32131.41 | 20250826 | 7.888% | XXXX | XXXX | 7.63% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 28.192% | 28.192 |  | 20250805 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6/23/2025-8/3/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 8/13/2025 31 months;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 8/19/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 5/15/2014;<br> [Borrower - Primary Income - Sole Proprietor] 1099 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 8/19/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $27047.77 |  |  | 0 |  |  | No |  | N/A | 7.625 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |
| 1676008 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250722 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 8742 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |
| 1676009 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250722 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |
| 1675231 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 8.00% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250729 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 105 |  | No |  | FALSE |  |  |  |  |  |
| 1676010 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 4 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250728 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.55 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 14510 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 68 |  | No |  | FALSE |  |  |  |  |  |
| 1675098 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Thousand Hills Legacy | MO | $466.00 |  | Monthly | 46.71% |  |  | 20250722 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8-2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7-2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 3-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |
| 1675297 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4251.49 | $4919.97 | 20250829 | 7.378% | XXXX | XXXX | 7.25% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 28.322% |  | 28.322% | 20250805 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 7/2024 - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024 - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2003;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 10/2003; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed Second Home | XXXX | 20250701 |  | $4251.49 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 8238 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 155 |  | No |  | FALSE |  |  |  |  |  |
| 1674108 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7867.89 | $8958.93 | 20250822 | 7.84% | XXXX | XXXX | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 34.984% |  | 34.984% | 20250806 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 30 |  | No |  | FALSE |  |  |  |  |  |
| 1675099 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $10309.46 | $11439.25 | 20250827 | 7.499% | XXXX | XXXX | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 40.582% |  | 40.582% | 20250722 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7-2025;<br> [Borrower - Primary Income - Wages] WVOE - 7-2025 31 Months;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 8-2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 6/2025-7/2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 5/2025-8/2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 5/2025-6/2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 6/2025-7/2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 4/2025-6/2025;<br> [Borrower - Primary Income - Wages] Bank Statements - Personal - 4/2025-6/2025;<br> [Borrower - Primary Income - Wages] Investment Statements - 5/2025-6/2025;<br> [Borrower - Primary Income - Wages] Other - 8-2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $10309.46 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 65 |  | No |  | FALSE |  |  |  |  |  |
| 1675513 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13576.41 | $19473.84 | 20250829 | 7.601% | XXXX | XXXX | 7.38% | No | No | Employed | Employed | Retired |  |  |  |  | No | No | No |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 43.768% |  | 43.768% | 20250729 | 739 | 795 | 818 | 797 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 5 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 7-2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Work Number - 8-2025 32 Months;<br> [Borrower - Primary Income - Wages] VVOE - 8-2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 7-2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 8-2025 32 Months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 8-2025;<br> [Co Borrower 2 - Non-Primary Income - Retirement] SS Award Letter - 3-2025 3 Months;<br> [Co Borrower 2 - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 6-2008;<br> [Co Borrower 2 - Non-Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 2 - Non-Primary Income - Retirement] 1099 - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $13576.41 |  |  | 0 |  |  | No |  | N/A | 7.375 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX | Fully amortized |  | XXXX |  |  |  | Stable |  |  |  |  |  | 121 |  | No |  | FALSE |  | 797 |  |  |  |
| 1675100 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 8 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250721 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow DSCR Fixed 40yr 10YR IO | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |
| 1676011 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250818 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |
| 1676150 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4408.46 | $6336.00 | 20250905 | 7.50% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 45.501% |  | 45.501% | 20250806 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 5/22/2019;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/8/2020; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | 10000 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |
| 1675101 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Chesapeake Ranch Estates | MD | $45.00 |  | Monthly |  |  |  | 20250718 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 118 |  | No |  | FALSE |  |  |  |  |  |
| 1676012 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $12845.00 | $15685.88 | 20250904 | 7.577% | XXXX | XXXX | 7.25% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 41.274% | 41.274 |  | 20250807 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 7/2025 - 1 month;<br> [Borrower - Primary Income - Wages] Paystubs - 5/2025-7/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Telephone Listing / Internet Search / Directory Assistance - 8/2025;<br> [Borrower - Primary Income - Wages] K-1 - 2022;<br> [Borrower - Primary Income - Wages] VVOE - 8/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 8/2025 - 1 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 6/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 8/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 2 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 61 |  | No |  | FALSE |  |  |  |  |  |
| 1675102 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9372.95 | $10766.86 | 20250825 | 7.755% | XXXX | XXXX | 7.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 44.793% | 44.793 |  | 20250617 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 12/2023, 12/2024, 6/2025 -7/2025;<br> [Borrower - Primary Income - Wages] Work Number - 8/2025 - 32 MONTHS;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $9372.95 |  |  | 0 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 3635 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 90 |  | No |  | FALSE |  |  |  |  |  |
| 1676013 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $9728.02 | $13195.13 | 20250905 | 8.011% | XXXX | XXXX | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Olympic Ridge | WA | $79.00 | 20251001 | Monthly | 42.132% | 42.132 |  | 20250708 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | 70% | 100% |  | Borrower Prepared | [Borrower - Primary Income - Bank Statements] VVOE - 09/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-07/2025- 7 mo;<br> [Borrower - Primary Income - Bank Statements] P&L Statement - 07/2025- 7 mo;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2024; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $9728.02 |  |  | -8184.02 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |
| 1674652 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15354.80 | $16706.11 | 20250825 | 7.398% | XXXX | XXXX | 6.88% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Cantata Point | NV | $120.00 |  | Monthly | 49.039% |  | 49.039% | 20250805 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 07/01/2025-07/31/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 08/12/2025 - 27 months;<br> [Borrower - Primary Income - Wages] VVOE - 08/21/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2023-07/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $15354.80 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 29 |  | No |  | FALSE |  |  |  |  |  |
| 1675115 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7520.00 | $8206.85 | 20250829 | 7.99% | XXXX | XXXX | 7.63% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 43.722% |  | 43.722% | 20250811 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 50% | 100% | 100% |  | [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 7/2024-6/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 4-2022;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 9-2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20250701 |  | $7520.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |
| 1675104 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $15659.10 | $16754.32 | 20250825 | 7.682% | XXXX | XXXX | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | ABQ Acres West | NM | $200.00 |  | Monthly | 20.81% | 20.81 |  | 20250611 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 Transcript - 2024;<br> [Borrower - Primary Income - S-Corp] Business Return Transcripts - 2024;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 8/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 8/2025; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $15659.10 |  |  | 0 | 3.8 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 65 |  | No |  | FALSE |  |  |  |  |  |
| 1676014 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Black Desert Resort CC | UT | $300.00 |  | Monthly |  |  |  | 20250729 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.64 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |
| 1675105 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 3 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250723 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.57 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 8123 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1675106 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $20445.00 | $23299.19 | 20250822 | 7.352% | XXXX | XXXX | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 30.994% |  | 30.994% | 20250623 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2024 - 7/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $20445.00 |  |  | 2625 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 14942 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |
| 1676015 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $8528.18 | $11175.63 | 20250911 | 7.748% | XXXX | XXXX | 7.38% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 46.458% | 46.458 |  | 20250808 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 01/01/2025 - 08/31/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 06/04/2025;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 08/20/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 09/05/2026;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 04/16/2025-07/31/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 07/28/2025 - 31 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/05/2025; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250901 |  | $0.00 |  |  | 16250 |  |  | No |  | N/A | 7.375 | 0 | 2 | 0 | 2 | 0 | 4 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |
| 1676016 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6393.20 | $9024.65 | 20250905 | 8.357% | XXXX | XXXX | 7.75% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Edgewater Golf Villas | FL | $852.00 |  | Monthly | 33.389% |  | 33.389% | 20250804 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Business - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 8/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 8/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022;<br> [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250901 |  | $6393.20 |  |  | 784.75 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 2 | 0 | 3 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full | 6652 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |
| 1676017 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13346.25 | $16710.89 | 20250909 | 7.678% | XXXX | XXXX | 7.38% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Fishers Cove | VA | $12.00 | 20251001 | Monthly | 48.243% |  | 48.243% | 20250714 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 80% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $13346.25 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1467 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |
| 1676018 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $6955.00 | $8627.46 | 20250910 | 7.712% | XXXX | XXXX | 7.38% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Latitude | FL | $382.00 |  | Monthly | 42.677% | 42.677 |  | 20250813 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] SS Award Letter - 01/01/2025;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 04/16/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Pension Letter - 08/18/2025;<br> [Co Borrower 1 - Primary Income - Retirement] Other - 04/01/2025 - monthly pension statement; |  | Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $6955.00 |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 70 |  | No |  | FALSE |  |  |  |  |  |
| 1676019 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 3 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250813 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.22 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 66 |  | No |  | FALSE |  |  |  |  |  |
| 1675108 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14740.00 | $15938.58 | 20250826 | 6.906% | XXXX | XXXX | 6.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Harris Ranch Village | NV | $31.00 |  | Monthly | 37.202% |  | 37.202% | 20250725 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 08/2024-07/2024 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 09/2023;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Business License/Validation - 09/2023;<br> [Borrower - Non-Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Non-Primary Income - Retirement] Pension Letter - 07/2025;<br> [Borrower - Primary Income - Disability] Award Letter / Continuance Letter - 07/2025;<br> [Borrower - Non-Primary Income - Retirement] SS Award Letter - 12/2024;<br> [Borrower - Non-Primary Income - Retirement] Award Letter / Continuance Letter - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $14740.00 |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |
| 1676020 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5625.00 | $7791.06 | 20250904 | 7.666% | XXXX | XXXX | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 37.282% |  | 37.282% | 20250702 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 6/22/2025-7/5/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 8/29/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2023;<br> [Borrower - Non-Primary Income - Social Security] SS Award Letter - 4/3/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 12/2024; | [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $5625.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1676021 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 2 |  | X | XXXX | XXXX |  |  |  |  |  | 28.311% |  |  | 20250729 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024 - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4621 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1676022 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6920.00 | $10304.03 | 20250912 | 7.944% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 27.76% |  | 27.76% | 20250813 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 15% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2024-06/2025-12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Personal - 07/2024-06/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $6920.00 |  |  | 1100 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 63 |  | No |  | FALSE |  |  |  |  |  |
| 1676125 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11317.26 | $18002.15 | 20250902 | 10.003% | XXXX | XXXX | 9.50% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Ventana | CA | $300.00 | 20251001 | Monthly | 46.117% |  | 46.117% | 20250714 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 08/2025-43 mo;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025-07/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Full Doc Fixed | XXXX | 20250701 |  | $11317.26 |  |  | -4417.2 |  |  | No |  | N/A | 9.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |
| 1676023 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250728 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250901 |  | $0.00 |  |  | 2000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.65 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |
| 1676024 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Brookwillow | CO | $132.00 | 20251001 | Monthly |  |  |  | 20250808 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow DSCR Fixed 40yr 10YR IO | XXXX | 20250901 |  | $0.00 |  |  | 1240 | 1 |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 119 |  | No |  | FALSE |  |  |  |  |  |
| 1675110 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11085.76 | $11380.74 | 20250829 | 7.595% | XXXX | XXXX | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 45.144% |  | 45.144% | 20250805 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 6/2024-7/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 5/28/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/18/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $11085.76 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |
| 1676025 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $22768.45 | $27633.56 | 20250905 | 8.093% | XXXX | XXXX | 7.75% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Sweetwater Driggs | ID | $399.96 |  | Annually | 43.773% | 43.773 |  | 20250812 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Work Number - 8/2025 - 3 months;<br> [Borrower - Primary Income - Wages] Paystubs - 7/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025;<br> [Co Borrower 1 - Primary Income - Wages] Work Number - 8/2025 - 20 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 7/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 9/2025; | [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250901 |  | $22768.45 |  |  | 0 |  |  | No |  | N/A | 7.75 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |
| 1675111 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250806 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 112 |  | No |  | FALSE |  |  |  |  |  |
| 1676026 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7315.00 | $9959.22 | 20250902 | 7.487% | XXXX | XXXX | 7.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 48.922% | 48.922 |  | 20250802 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 07/2025-08/2025;<br> [Borrower - Primary Income - Wages] Work Number - 08/2025-12 mo; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250701 |  | $7315.00 |  |  | 0 |  |  | No |  | N/A | 7.125 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |
| 1675116 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Laketown Wharf | FL | ######## |  | Annually |  |  |  | 20250804 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | -815.96 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 2493 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |
| 1676027 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250716 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 30-Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | -12900 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.34 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 157 |  | No |  | FALSE |  |  |  |  |  |
| 1676028 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5488.67 | $9627.00 | 20250905 | 7.636% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Marrakesh Country Club | CA | $2085.00 | 20251001 | Monthly | 32.518% |  | 32.518% | 20250730 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 75% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-06/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] Other - 08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed Second Home | XXXX | 20250701 |  | $5488.67 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 13004 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 117 |  | No |  | FALSE |  |  |  |  |  |
| 1676029 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $7444.55 | $9361.63 | 20250905 | 7.748% | XXXX | XXXX | 7.38% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 31.84% | 31.84 |  | 20250729 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 9/2025 - 16 Months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 6/2025 - 7/2025;<br> [Borrower - Primary Income - Wages] VVOE - 9/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Personal - 6/2025 -7/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250901 |  | $7444.55 |  |  | 14200 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion | 2751 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 262 |  | No |  | FALSE |  |  |  |  |  |
| 1676153 | XXXX | XXXX | Non-QM | XXXX | Yes | No |  |  | 20250908 | 7.632% | XXXX | XXXX | 7.38% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 49.949% |  | 49.949% | 20250818 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 6/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 6/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 6/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Declining |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |
| 1676030 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250626 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR W/BRDG | XXXX | 20250901 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |
| 1676031 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250626 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR W/BRDG | XXXX | 20250901 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |
| 1676032 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 4 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250626 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 110 |  | No |  | FALSE |  |  |  |  |  |
| 1676033 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250626 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20250901 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 23 |  | No |  | FALSE |  |  |  |  |  |
| 1676034 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $36245.00 | $37758.38 | 20250829 | 6.643% | XXXX | XXXX | 6.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Anniston | NC | $711.96 |  | Annually | 49.946% |  | 49.946% | 20250729 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2023-06/2025 24 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $36245.00 |  |  | 0 |  |  | No |  | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 4907 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |
| 1676035 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $1002.00 | $3001.81 | 20250903 | 8.07% | XXXX | XXXX | 7.88% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 41.178% | 41.178 |  | 20250723 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 08/2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 07/2018;<br> [Borrower - Primary Income - Retirement] Pension Letter - 08/2025;<br> [Borrower - Primary Income - Retirement] SS Award Letter - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 2024;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 06/2025-07/2025 2 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Super-Prime/Alt-A Full Doc Fixed w/Bridge | XXXX | 20250901 |  | $0.00 |  |  | 9900 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |
| 1676250 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AE | XXXX | XXXX | Saga Bay Townhomes | FL | $65.00 | 20251001 | Monthly |  |  |  | 20250812 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |
| 1676124 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11461.31 | $13799.45 | 20250912 | 8.127% | XXXX | XXXX | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 38.402% |  | 38.402% | 20250813 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 09/2024-08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/15/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/11/2024;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |
| 1675112 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.25% | Yes | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Lake View Villas | OR | $207.50 |  | Monthly |  |  |  | 20250805 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 89 |  | No |  | FALSE |  |  |  |  |  |
| 1676036 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14780.41 | $18381.34 | 20250910 | 7.796% | XXXX | XXXX | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Vila Di Lago | NV | $285.00 |  | Monthly | 28.569% |  | 28.569% | 20250818 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 30% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2023-6/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | 160020.6 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 25 |  | No |  | FALSE |  |  |  |  |  |
| 1676037 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $14910.63 | $21710.69 | 20250910 | 8.226% | XXXX | XXXX | 8.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Whispering Hills | AZ | $160.00 |  | Monthly | 30.461% |  | 30.461% | 20250812 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/19/2025 & 08/23/2025 ;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/13/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 09/09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $14910.63 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |
| 1676038 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | INTERLAKEN CONDO | WI | $429.00 |  | Monthly | 46.456% |  |  | 20250808 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 20% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 8/2023 - 7/2025 - 24 months;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025 - 120 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 1983 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 27 |  | No |  | FALSE |  |  |  |  |  |
| 1676039 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11750.91 | $15403.48 | 20250908 | 7.797% | XXXX | XXXX | 7.50% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | AH | XXXX | XXXX | Bay Village | CA | $150.00 |  | Annually | 49.912% |  | 49.912% | 20250820 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 20% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 8/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 7/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |
| 1675113 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $17494.00 | $18466.25 | 20250829 | 7.758% | XXXX | XXXX | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 40.635% |  | 40.635% | 20250731 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7/26/2023;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/13/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 8/21/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 7/2023-6/2025-24 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 6/3/2021;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/21/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 6/3/2021;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/26/2025;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 6/16/2025-7/15/2025-1 month;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 8/26/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 8/27/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250701 |  | $17494.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 45 |  | No |  | FALSE |  |  |  |  |  |
| 1676040 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $4860.80 | $7285.02 | 20250905 | 7.486% | XXXX | XXXX | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Fernewood | LA | $380.04 | 20260101 | Annually | 24.449% | 24.449 |  | 20250707 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025-07/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] Work Number - 07/2025-138 mo;<br> [Borrower - Primary Income - Wages] WVOE - 08/2025;<br> [Borrower - Primary Income - Wages] VVOE - 08/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250901 |  | $0.00 |  |  | 7675 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 52 |  | No |  | FALSE |  |  |  |  |  |
| 1676041 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 17.448% |  |  | 20250728 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 95% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025- 2 bank accounts;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/02/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/17/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/19/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Bank Statement: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | -3042.9 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 76 |  | No |  | FALSE |  |  |  |  |  |
| 1676042 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $20870.00 | $27261.53 | 20250902 | 7.80% | XXXX | XXXX | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Cumming | GA | $600.00 | 20251001 | Annually | 23.407% |  | 23.407% | 20250807 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] VVOE - 08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025-12 mo; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Expanded Approval A Bank Stmt Fixed | XXXX | 20250701 |  | $20870.00 |  |  | -9487.5 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |
| 1676043 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $56232.64 | $67472.86 | 20250905 | 7.785% | XXXX | XXXX | 7.50% | No | No | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Chaco Bench | UT | $285.00 |  | Monthly | 44.526% | 44.526 |  | 20250731 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Super-Prime/Alt-A Asset Qualifier Fixed w/Bridge | XXXX | 20250901 |  | $56232.64 |  |  | -120 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization | 18947 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 150 |  | No |  | FALSE |  |  |  |  |  |
| 1676044 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | Origin at Seahaven | FL | $417.00 | 20251001 | Monthly |  |  |  | 20250825 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 83 |  | No |  | FALSE |  |  |  |  |  |
| 1676045 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8964.54 | $11568.14 | 20250910 | 7.633% | XXXX | XXXX | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | VE | XXXX | XXXX | Phoenix II | AL | $611.00 |  | Monthly | 45.599% |  | 45.599% | 20250805 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | 10000 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 77 |  | No |  | FALSE |  |  |  |  |  |
| 1676046 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $10133.21 | $14235.34 | 20250904 | 7.355% | XXXX | XXXX | 7.00% | No | No | Retired | Retired |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX | LOCKWOOD MEADOWS | WA | $90.00 |  | Monthly | 40.709% | 40.709 |  | 20250811 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Co Borrower 1 - Primary Income - Retirement] 1099 - 2024;<br> [Co Borrower 1 - Primary Income - Retirement] 1099 - 2023;<br> [Co Borrower 1 - Primary Income - Retirement] SS Award Letter - 8/2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 1/2005;<br> [Borrower - Primary Income - Retirement] 1099 - 2024;<br> [Borrower - Primary Income - Retirement] 1099 - 2023;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 5/2025 -7/2025 - 2 months;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 5/2025 - 7/2025 - 2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Full Doc Fixed | XXXX | 20250701 |  | $10133.21 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC | 3279 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |
| 1676047 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8920.39 | $11629.47 | 20250910 | 9.531% | XXXX | XXXX | 9.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 42.91% |  | 42.91% | 20250826 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/17/2025-07/31/2025 - American Airlines;<br> [Borrower - Primary Income - Wages] W-2 - 2024 - American Airlines;<br> [Borrower - Primary Income - Wages] W-2 - 2023 American Airlines;<br> [Borrower - Primary Income - Wages] Work Number - 8/28/25 - 32 months - American Airlines;<br> [Borrower - Primary Income - Wages] Paystubs - 07/01/2025 - Arizona State University;<br> [Borrower - Primary Income - Wages] W-2 - 2024 - Arizona State University;<br> [Borrower - Primary Income - Wages] W-2 - 2023 - Arizona State University;<br> [Borrower - Primary Income - Wages] Work Number - 08/28/2025 - 32 months - Arizona State University;<br> [Borrower - Primary Income - Wages] Paystubs - 06/29/2025-07/26/2025 - Chandler Air Service Inc;<br> [Borrower - Primary Income - Wages] W-2 - 2024 - Chandler Air Service Inc;<br> [Borrower - Primary Income - Wages] W-2 - 2023 - Chandler Air Service Inc;<br> [Borrower - Primary Income - Wages] Work Number - 08/28/2025 - 32 months - Chandler Air Service Inc; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 4 | 1 | 5 |  | LMC Expanded Approval C Full Doc - Fixed | XXXX | 20250901 |  | $8920.39 |  |  | 13000 |  |  | No |  | N/A | 9.125 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | 100010000544432100010000 |  |  |  | Stable |  |  |  |  |  | 204 |  | No |  | FALSE |  |  |  |  |  |
| 1676048 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4031.64 | $7500.01 | 20250910 | 9.658% | XXXX | XXXX | 9.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 38.957% |  | 38.957% | 20250724 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 65% | 49% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024 - 7/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 8/2018;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 8/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 8/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Expanded Approval BB Bank Stmt - Fixed | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 9.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement | 5977 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |
| 1676049 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | XXXX | XXXX | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  |  |  |  | 20250814 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250901 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 5342 | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 84 |  | No |  | FALSE |  |  |  |  |  |
| 1676050 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $12238.40 | $14993.04 | 20250911 | 7.163% | XXXX | XXXX | 6.88% | No | No | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | XXXX | 1 |  | X | XXXX | XXXX |  |  |  |  |  | 40.792% |  | 40.792% | 20250829 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75% | 100% |  |  | [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 07/2025-08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025- 12 mo;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] WVOE - 08/2025-52 mo;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 09/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LendSure Super-Prime/Alt-A Bank Stmt Fixed | XXXX | 20250901 |  | $0.00 |  |  | 4000 |  |  | No |  | N/A | 6.875 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08**

![](ex9908001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2025-NQM5**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 3 loans acquired by Ellington Management Group, LLC (the "Client"). The review was performed from July 2025 through August 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 3 loans for an aggregate original principal balance of $2,840,000.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

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

---

**Data Integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

Page **1** of **17**

![](ex9908001.jpg)

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

Page **2** of **17**

![](ex9908001.jpg)

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
and bank statements, was provided and used to accurately qualify the borrower according to guidelines. Recalculate the borrower's
income and debt to determine the appropriate debt to income ratio in accordance with the guidelines. Validate borrower's
employment history and confirm that the appropriate income and assets were used to qualify. Make a reasonable assessment of whether
there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to qualify the borrower match the documentation in the file and the information
used to calculate down payment, closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against all supporting documentation and loan application to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application against the final loan application or other loan applications
found in the file to validate the application was signed and properly completed and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that credit report(s) and verification of mortgage or rental history, when required, have
been provided for all borrowers/guarantors, are consistent with loan approval, and meet guideline requirements. Verify whether
any fraud alerts are listed on the credit reports and make a reasonable assessment of whether the borrower's profile adheres
to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies based on information derived from source documentation
provided in the loan file, for the purposes of identifying misrepresentations contained in the loan file, including with respect
to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for possible judgments and other liens that may have existed upon origination;
verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file contains sufficient property insurance coverage as required by guidelines;
confirm property insurance policy contains appropriate mortgagee clause. For subject properties located in a Special Flood Hazard
Area where flood insurance is required, verify and validate the file contains sufficient flood insurance coverage as required by
guidelines and that flood insurance policy contains appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed by
the borrowers/guarantors and confirm that document addresses are consistent with subject property address and do not match the
primary residence address.

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
and cite any exceptions or unusual findings

&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. Evaluate credit scores and tradelines against 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;b. Evaluate other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the loan file
and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate borrower's mortgage/rental payment history using credit reports or other information
supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate borrowers' asset utilization and verify sufficient liquid assets to supplement income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal report to ensure the valuation was performed by a licensed appraiser
and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the appraisal report to ensure report value is "as is" or, if report is "subject
to", that there is an associated completion report resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation products in the file; if there is a variance greater than 10% below
the appraisal value, Client will be notified and an additional independent valuation product will be obtained as requested.

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**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage rate (APR) is considered accurate because it is not more than 1/8
of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions) point above or below the APR as
determined in accordance with the actuarial method; or

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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. The disclosed APR results from the disclosed finance charge, and the disclosed finance charge is
considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed finance charge
is considered accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission finance
charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the right to rescind until midnight of the third business day following
consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than
the consumer in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance, directly or indirectly, any premiums or fees for credit insurance in
connection with a consumer credit transaction secured by a dwelling (including a home equity line of credit secured by the consumer's
principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C.
§2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure date is not later than the third business day (counting days on which
the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives
the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure date is not later than the seventh business day (counting all calendar
days except Sunday and specified legal public holidays) before consummation of the transaction, or the application date of the
loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential mortgage transaction" subject to the Real Estate Settlement
Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure date is before consummation or three business days after the creditor
receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The final TIL disclosure is properly executed; 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;viii. The final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
(provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
(provision of loan estimate form) not later than the seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections of the disclosure determined to carry assignee liability were accurately
completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer
with a written list identifying available providers of that settlement service and stating that the consumer may choose a different
provider for that service. The creditor must identify at least one available provider for each settlement service for which the
consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the
disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive
a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation.
If the revised version of the disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in person, the
consumer is considered to have received such version three business days after the creditor delivers or places such version in
the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was not provided and interest rate dependent charges change once the
interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i)
no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections of the disclosure determined to carry assignee liability were accurately
completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12
CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the
corrected disclosures at or before consummation

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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. If the consumer determines that the extension of credit is needed to meet a bona fide personal
financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure
after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge
paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges for third-party services and recording fees paid by or imposed
on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge
paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts
specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess
to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts
specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess
to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
(§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
(§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
(§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a seller, validate whether the lender disclosed all costs being paid
by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present on the borrower's Closing Disclosure, review the seller's
Closing Disclosure or alternative documentation for accuracy of disclosure

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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;q. Post-consummation Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised closing disclosure delivery date is not more than 60 calendar days
after the consummation date, or closing / settlement date if no consummation date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement date is not more than 60 calendar days after the consummation date,
or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test
(12 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than 60
days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage
loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable
percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify that a qualified mortgage is a covered transaction that provides for regular periodic payments
that are substantially equal and any interest rate change after consummation, along with the corresponding payment, does not result
in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify that no qualified mortgage loan allows the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify that no qualified mortgage results
in a ballon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's total monthly debt to total monthly income at the time of consummation
does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1, 2021,
meaning that the QM Patch effectively terminates on July 1, 2021—and that all loans sold to Fannie and Freddie must comply
with the revised QM rules, effective July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from March 1, 2021 until October 1, 2022
will continue to apply the legacy QM rules; however, commencing July 1, 2021, legacy QM loans must be underwritten to Appendix
Q and NOT to the QM Patch.

<br> Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client is required to advise regarding which application of QM/DTI or QM/APR rule for loans with
application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan APR is not to exceed the APOR plus percentage threshold, calculated according to 12 CFR
§1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application dates between 03/01/2021 and 10/01/2022
and mandatory compliance and testing for loans after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or more
percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for inflation),
3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly Payment. The amount of the monthly payment on the loan is calculated using the maximum
rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider and Verify. The creditor considers and verifies the consumer's current or expected
income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As part of the "consider" requirement, Incenter Diligence will review the (i) creditor's
policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting
factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet or a final automated
underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published
June 10, 2020 including all subsequent updates;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For purposes of compliance with VSH, a creditor must comply with only those provisions in the manuals
that require creditors to verify income, assets, debt obligations, alimony and child support using specified documents or to classify
and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised versions of manuals. A creditor also complies with the verification safe harbor where it
complies with revised versions of the manuals listed above provided that the two versions are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The QM 2.0 Rule permits the creditor to "mix and match" verification standards from
different agency manuals. Incenter Diligence will test the creditor's "verification" of third-party records
in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or more
of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note: the Client must provide written policies and procedures and related documentation such as
underwriter worksheets in order for Incenter Diligence to review loans under the QM 2.0 Rules, and in particular, with regard to
the "consider" and "verify" requirements. Further, if the Client intends to use the VSH, its written policies
and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions
addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular
inflows, property, and obligations as income, assets, debt obligations, alimony, and child support—as well as the specific
date(s) of the agency handbook(s) issuance, publication or revision. In addition, Incenter Diligence is not responsible for determining
whether revised versions of the manuals listed above are "substantially similar" for purposes of the VSH; such a determination
of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note: due to the inherent subjectivity of the foregoing "consider" and "verify"
requirements, Incenter Diligence will review the Client's: (i) policies and procedures and worksheets and (ii) methods and
criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only,
and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with
applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider
would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

Page **11** of **17**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of the loan occurs before/after the effective date of October 1, 1995;
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor received application occurs on or after January 10, 2014, the effective
date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien transaction, and the annual percentage rate (APR) does not
exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed
the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan tests (12 CFR §1026.35(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;b. Higher Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive compensation, directly or indirectly, from any person other than
the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has reason to know of the consumer-paid compensation to the loan originator
(other than the consumer) shall pay any compensation to a loan originator, directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the NMLSR database, as available

Page **12** of **17**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business days after a lender, mortgage broker, or dealer receives an application,
or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written
list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling organizations distributed to each loan applicant under this
section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days after a loan originator (broker or lender) receives an application
for a federally related mortgage loan, or information sufficient to complete an application, the loan originator must provide the
applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered for both a loan discount fee and a yield spread premium or a lender
credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
if the customer(s) waived their right to receive copies of their appraisals three business days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans for proof that lender delivered copies of appraisals and other written
valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their right to receive copies of their appraisals three business days
prior to consummation/account opening, review the Post-Closing submission for an Acknowledgment of Receipt of Appraisal Report,
or other proof that the lender provided the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas Home Equity Loans

Page **13** of **17**

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **17**

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **17**

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**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** | &nbsp;&nbsp; **Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **17**

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Property** <br> **Grade A** | &nbsp;&nbsp;**Property <br> Grade B** | &nbsp;&nbsp;**Property <br> Grade C** | &nbsp;&nbsp;**Property<br> Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**92.79%** |

---

Page **17** of **17**

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](image_004.jpg) TPR Firm: |  | Report Date: | 9/19/2025 |  |  |  |  |  |
| Client Name: Ellington Management Group, LLC | Client Name: Ellington Management Group, LLC | Report: | Review Summary |  |  |  |  |  |
| Deal Name: EFMT 2025-NQM5 |  | Loans in report: | 3 |  |  |  |  |  |
|  |  |  |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| **Final Overall Grade Summary** | **Final Overall Grade Summary** | **Final Overall Grade Summary** |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| A | 2 | 66.67% |  |  |  | **Data Compare Field Name** | **# of Discrepancies** | **% Accuracy** |
| B | 1 | 33.33% |  |  |  | ARM Interest Data | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Amortization Term | 0 | 100.00% |
| **Total** | **3** | **100.00%** |  |  |  | Borrower 1 First Name | 0 | 100.00% |
|  |  |  |  |  |  | Borrower 1 Last Name | 0 | 100.00% |
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |  |  |  | Borrower 2 First Name | 0 | 100.00% |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Borrower 2 Last Name | 0 | 100.00% |
| A | 2 | 66.67% |  |  |  | Borrower 1 FTHB | 0 | 100.00% |
| B | 1 | 33.33% |  |  |  | Borrower 2 FTHB | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Doc Type | 0 | 100.00% |
| **Total** | **3** | **100.00%** |  |  |  | First Payment Date | 0 | 100.00% |
|  |  |  |  |  |  | Interest Only Flag | 0 | 100.00% |
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |  |  |  | Lien Position | 0 | 100.00% |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Loan Program | 0 | 100.00% |
| A | 3 | 100.00% |  |  |  | Loan Purpose | 0 | 100.00% |
| B | 0 | 0.00% |  |  |  | Loan Type | 1 | 66.67% |
| C | 0 | 0.00% |  |  |  | Maturity Date | 0 | 100.00% |
| **Total** | **3** | **100.00%** |  |  |  | Note Date | 0 | 100.00% |
|  |  |  |  |  |  | Number of Units | 0 | 100.00% |
| **Property Grade Summary** |  |  |  |  |  | Occupancy | 0 | 100.00% |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Original Interest Rate | 0 | 100.00% |
| A | 2 | 66.67% |  |  |  | Original Loan Amount | 0 | 100.00% |
| B | 1 | 33.33% |  |  |  | Original Loan Term | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Original P&I | 3 | 0.00% |
| **Total** | **3** | **100.00%** |  |  |  | Originator DSCR | 0 | 100.00% |
|  |  |  |  |  |  | Prepayment Penalty | 0 | 100.00% |
|  |  |  |  |  |  | Property Address | 0 | 100.00% |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  | Property City | 0 | 100.00% |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  | Property State | 0 | 100.00% |
| \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | Property Zip Code | 0 | 100.00% |
| **Credit Exception Categories** | **Exception Count** | **Credit Grade A** | **Credit Grade B** | **Credit Grade C** | **Credit Grade D \*** | Property Type | 0 | 100.00% |
| Assets | 2 | 1 | 1 | 0 | 0 | QM Designation | 0 | 100.00% |
| Borrower | 0 | 0 | 0 | 0 | 0 | Qualifying Appraised Value | 3 | 0.00% |
| Closing | 0 | 0 | 0 | 0 | 0 | Qualifying CLTV | 0 | 100.00% |
| Data | 0 | 0 | 0 | 0 | 0 | Qualifying FICO | 1 | 66.67% |
| Debt | 0 | 0 | 0 | 0 | 0 | Qualifying LTV | 0 | 100.00% |
| Eligibility | 2 | 1 | 1 | 0 | 0 | Qualifying Total DTI | 0 | 100.00% |
| Income/Employment | 0 | 0 | 0 | 0 | 0 | Refinance Type | 0 | 100.00% |
| Insurance | 0 | 0 | 0 | 0 | 0 | Sales Price | 0 | 100.00% |
| Missing Doc | 0 | 0 | 0 | 0 | 0 | Subordinate Lien Amount | 0 | 100.00% |
| QM-ATR | 0 | 0 | 0 | 0 | 0 | Underwriting Guideline Name | 0 | 100.00% |
| Title | 0 | 0 | 0 | 0 | 0 | **Total** | **8** | **92.79%** |
| **Total** | **4** | **2** | **2** | **0** | **0** |  |  |  |
| **Compliance Exception Categories** | **Exception Count** | **Compliance Grade A** | **Compliance Grade B** | **Compliance Grade C** | **Compliance Grade D \*** |  |  |  |
| Ability to Repay | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Closing | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Compliance | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Data | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Disclosure | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Documentation | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Fees | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Missing Doc | 2 | 2 | 0 | 0 | 0 |  |  |  |
| Points & Fees | 0 | 0 | 0 | 0 | 0 |  |  |  |
| QM-ATR | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Right to Rescind | 0 | 0 | 0 | 0 | 0 |  |  |  |
| State Reg | 0 | 0 | 0 | 0 | 0 |  |  |  |
| TRID | 0 | 0 | 0 | 0 | 0 |  |  |  |
| **Total** | **2** | **2** | **0** | **0** | **0** |  |  |  |
| **Property Exception Categories** | **Exception Count** | **Property Grade A** | **Property Grade B** | **Property Grade C** | **Property Grade D \*** |  |  |  |
| Appraisal | 2 | 1 | 1 | 0 | 0 |  |  |  |
| Data | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Missing Doc | 1 | 1 | 0 | 0 | 0 |  |  |  |
| Property Issue | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Value | 0 | 0 | 0 | 0 | 0 |  |  |  |
| **Total** | **3** | **2** | **1** | **0** | **0** |  |  |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](image_004.jpg) | ![](image_004.jpg) | Report Date: | 9/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | Exception Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **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?** |
| XXX | 10194560 |  | XXX | D | B | C | B | D | A | D | B | Closed | FPRO1244 | 2025-07-03 13:41 | 2025-07-10 18:14 | Resolved | 1 - Information | D | A | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Resolved-Received PCCD reflecting removal of 2nd appraisal and Desk Review fee as they were not required. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. PCCD removing the Desk Review Fee - Seller-07/10/2025 <br> Counter-Received PCCD reflecting removal of the 2nd appraisal fee, however PCCD still reflects a Desk Review Fee. Desk Review is not included in the loan file. Additional conditions may apply upon receipt. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. PCCD removing second appraisal. it was not required - Seller-07/09/2025 <br> Open-Final Closing Disclosure reflects 2nd Appraisal fee and Appraisal Desk Review Fee however both are missing from the loan file. Addtional conditions may apply upon receipt. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. PCCD removing the Desk Review Fee - Seller-07/10/2025 <br>Ready for Review-Document Uploaded. PCCD removing second appraisal. it was not required - Seller-07/09/2025<br>| Resolved-Received PCCD reflecting removal of 2nd appraisal and Desk Review fee as they were not required. - Due Diligence Vendor-07/10/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | POCS CD No 900 2nd Fee XXX.pdf<br> XXX POST CD.pdf | 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 | 10194560 |  | XXX | D | B | C | B | D | A | D | B | Closed | FCRE1492 | 2025-07-04 16:27 | 2025-07-09 11:40 | Waived | 2 - Non-Material | C | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Exception form and investor email attached. - Seller-07/08/2025 <br> Open-Borrower receiving cash out of $XXX is greater than guideline maximum of $XXX. Scenario desk email in file is insufficient, formal exception approval required. - Due Diligence Vendor-07/04/2025 | Ready for Review-Document Uploaded. Exception form and investor email attached. - Seller-07/08/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% | 1) XXX FICO is greater than 720 minimum<br> 2) XXX% LTV is less than 75% maximum<br> 3) XXX% DTI is less than 50% maximum | XXX Exception Email approval.pdf<br> XXX Exception Request Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 10194560 |  | XXX | D | B | C | B | D | A | D | B | Closed | FCRE1441 | 2025-07-04 15:57 | 2025-07-09 11:39 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. Exception form and investor email attached. - Seller-07/08/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Credit report reflects a mortgage in forebearance. Scenario desk email in file is insufficient, formal exception approval required. - Due Diligence Vendor-07/04/2025 | Ready for Review-Document Uploaded. Exception form and investor email attached. - Seller-07/08/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% | 1) XXX FICO is greater than 720 minimum<br> 2) XXX% LTV is less than 75% maximum<br> 3) XXX% DTI is less than 50% maximum | XXX Exception Email approval.pdf<br> XXX Exception Request Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 10194560 |  | XXX | D | B | C | B | D | A | D | B | Closed | FCOM8805 | 2025-07-03 13:35 | 2025-07-09 11:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. credit Authorization - Seller-07/08/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. credit Authorization - Seller-07/08/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX Credit Autho.pdf | 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 | 10194560 |  | XXX | D | B | C | B | D | A | D | B | Closed | FCRE1204 | 2025-07-03 12:41 | 2025-07-09 11:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report reflecting explanation for clearance of high alerts. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. clear fraud report - Seller-07/08/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed the open high impact items reflected on the fraud report. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. clear fraud report - Seller-07/08/2025<br>| Resolved-Received Cleared fraud report reflecting explanation for clearance of high alerts. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX fraud report.pdf | 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 | 10194560 |  | XXX | D | B | C | B | D | A | D | B | Closed | FVAL9739 | 2025-07-07 19:23 | 2025-07-09 11:20 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Property/Appraisal General | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Exception form and investor email attached. - Seller-07/08/2025 <br> Open-The property was listed for sale on XXX and expired on XXX. Properties listed for sale within the past 12 months are ineligible per guidelines. Scenario desk email in file is insufficient, formal exception approval required. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Exception form and investor email attached. - Seller-07/08/2025<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-07/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% | 1) XXX FICO is greater than 720 minimum<br> 2) XXX% LTV is less than 75% maximum<br> 3) XXX% DTI is less than 50% maximum | XXX Exception Email approval.pdf<br> XXX Exception Request Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 10194562 |  | XXX | D | A | C | A | D | A | C | A | Closed | FPRO1137 | 2025-07-01 14:50 | 2025-07-09 17:10 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received supporting documentation of current appraisal license. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. The license shows the appraiser has had a valid license since XXX. this was pulled from the XXX Real Estate Appraisal Board website - Seller-07/08/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraisal license reflects effective date of XXX however the appraisal was completed on XXX. Missing evidence appraiser was licensed at the time of appraisal inspection. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. The license shows the appraiser has had a valid license since XXX. this was pulled from the XXX Real Estate Appraisal Board website - Seller-07/08/2025 | Resolved-Received supporting documentation of current appraisal license. - Due Diligence Vendor-07/08/2025<br>|  |  | XXX Appraiser License.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 10194562 |  | XXX | D | A | C | A | D | A | C | A | Closed | FCRE1483 | 2025-07-07 16:42 | 2025-07-09 16:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received source of funds for $XXX into XXX account. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. The borrower has a $XXX HELOC on his primary residence at XXX., he took a $XXX draw on XXX and deposited it into his XXX. - Seller-07/09/2025 <br> Counter-Received updated asset worksheet and URLA removing XXX account and adding XXX account. XXX Transaction history reflects $XXX deposit on XXX. Missing source of deposit. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. The updated assets accounts are in the asset worksheet and the updated 1003. these match the asset statements received in the file. - Seller-07/08/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Missing the XXX account statement that reflects the $XXX balance per URLA. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. The borrower has a $XXX HELOC on his primary residence at XXX, he took a $XXX draw on XXX and deposited it into his XXX. - Seller-07/09/2025 <br> Ready for Review-Document Uploaded. The updated assets accounts are in the asset worksheet and the updated 1003. these match the asset statements received in the file. - Seller-07/08/2025 | Resolved-Received source of funds for $XXX into XXX account. - Due Diligence Vendor-07/09/2025 |  |  | XXX Updated 1003.pdf<br> XXX Asset worksheet.pdf<br> XXX Property Profile XXX..pdf<br> XXX heloc draw - $XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 10194562 |  | XXX | D | A | C | A | D | A | C | A | Closed | FCOM6620 | 2025-07-01 15:05 | 2025-07-08 12:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | MRD Missing Occupancy Affidavit | Resolved-Received complete copy of fully executed Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Both pages attached - Seller-07/08/2025 <br>Open-Missing complete copy of fully executed Business Purpose & Occupancy Affidavit. Missing pg 2. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Both pages attached - Seller-07/08/2025<br>| Resolved-Received complete copy of fully executed Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-07/08/2025<br>|  |  | XXX Aff.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](image_004.jpg) | ![](image_004.jpg) | Report Date: | 9/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** |
| XXX | 10194560 |  | XXX | XXX | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| XXX | 10194561 |  | XXX | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX | 10194562 |  | XXX | XXX | C | C | C | C | C | D | D | D | D | D | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 4**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: |  |  | Report Date: | 9/19/2025 |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | Final Tape Compare |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 10194560 |  | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 10194560 |  | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 10194561 |  | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 10194561 |  | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 10194561 |  | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 10194562 |  | XXX | XXX | Loan Type | the1003Page | DSCR | Conventional |
| XXX | 10194562 |  | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 10194562 |  | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| TPR Firm: | ![](image_004.jpg) | ![](image_004.jpg) | Report Date: | 9/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | Supplemental Data |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 10194560 |  | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/02/2025 | 6.880% | Manual Underwriting |  | No | 7.190% |  | 7.125% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A |  | XXX | XXX |  | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 10194561 |  | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/06/2025 | 6.920% | Manual Underwriting |  | No | 8.013% |  | 7.875% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A |  | XXX | XXX |  |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | 1 | 43 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 10194562 |  | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A |  | XXX | XXX |  | Annually | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.482 | 1.482 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](image_004.jpg) | ![](image_004.jpg) | Report Date: | 9/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | QM ATR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 10194560 |  | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 10194561 |  | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 10194562 |  | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Missing |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: |  |  | Report Date: | 9/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | Valuation Summary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 10194560 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 1.4 | XXX |
| 10194561 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0.0 | .0000 | XXXX | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 2.4 | XXX |
| 10194562 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1.8 | XXX |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.08 Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](image_004.jpg) | ![](image_004.jpg) | Report Date: | 9/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group, LLC | Ellington Management Group, LLC | Report: | Business Purpose Supplement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-NQM5 | EFMT 2025-NQM5 | Loans in report: | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXX | 10194562 |  | XXX | XXX | XXX | Debt Service Coverage Ratio | Missing | No | 0 | XXX | Appraisal - 1007 |  |  |  |  | XXX | Appraisal - 1007 | No | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  |  | XXX |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | XXX | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09**

**EXECUTIVE SUMMARY**

EFMT 2025-NQM5

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Ellington Management Group, LLC. The Review was conducted from July 2025 to August 2025 on mortgage loans originated in July 2025 to August 2025

The Review consisted of 100% of the population of 6 loans with an original aggregate loan balance of $5,985,650.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject
and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was
in file, if applicable, and coverage was sufficient, and premium was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market
rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Verification of Borrower Original and Audit Credit Report (if applicable)</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures and NMLS
identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 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.

&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, 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 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, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance review excludes business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. 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 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.

&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> 

&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;

&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.

**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 50.00% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% |
| &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;**6** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |
| &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;**6** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &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;**6** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &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;**6** | &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;Assets - Insufficient Cash to Close or Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Gift Letter - No Evidence for Transfer of Funds | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Condo Ineligible | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Right of Rescission is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Right to Rescind - ROR - Non-Borrower/Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***7*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 6 mortgage loans reviewed 3 unique mortgage loans (by loan count) had a total of 4 different tape discrepancies across 4 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;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |

---

**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. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**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 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2065427 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5198610 | 1 of 3 | 2025-08-15 19:50 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-15 19:50 | Cleared | 1 | 1 | 1 | 1 |
| 2065427 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5208293 | 2 of 3 | 2025-08-18 12:05 | 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>|  |  |  |  | 2025-08-18 12:05 | Cleared | 1 | 1 | 1 | 1 |
| 2065427 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5211063 | 3 of 3 | 2025-08-18 14:47 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-18 14:47 | Cleared | 1 | 1 | 1 | 1 |
| 2062470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4869835 | 1 of 5 | 2025-07-18 16:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-07-18 16:03 | Cleared | 1 | 1 | 3 | 2 |
| 2062470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4939045 | 2 of 5 | 2025-07-24 19:36 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXX are less than $XXXX. The total assets are $XXXX. The required cash to close is $XXXX plus 9 months' reserves, which is $XXXX for a total of $XXXX. The borrower is short on reserves -$XXXX. Please provide additional assets to demonstrate that the borrower has sufficient reserves. <br>|  | Document Uploaded. Please see attached guidelines provided to you in XXXX. On XXXX, reserves indicate 6 months. - 08/01/2025 <br> Borrower has at least 6 months reserves which meet guidelines. - 07/25/2025 | Total Cash reserves are greater than 6. - 08/11/2025<br> The total assets are $XXXX. The required cash to close is $XXXX plus 9 months' reserves, which is $XXXX, for a total of $XXXX. The borrower is short on reserves/cash to close -$XXXX. Please provide additional assets to demonstrate that the borrower has sufficient reserves/cash to close. - 07/30/2025 |  | 2025-08-06 03:20 | Resolved | 3 | 1 | 3 | 2 |
| 2062470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4940979 | 3 of 5 | 2025-07-24 20:57 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The subject property is located in a rural area. Per guidelines, the maximum LTV is 75%. The loan was approved with an LTV of 85%. A formal exception is missing from the loan file. <br>|  | Document Uploaded. - 08/01/2025 <br>Document Uploaded. - 07/25/2025<br>| Compensating factors received - 08/06/2025<br>The Guideline Exception Review has been received, but the compensating factors are missing. - 07/30/2025<br>| FICO is 785 (well above minimum), borrower has owned a property for over 2 years. | 2025-08-06 03:23 | Waived | 3 | 2 | 3 | 2 |
| 2062470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4941043 | 4 of 5 | 2025-07-24 21:01 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. The XXXX search for XXXX is missing from the loan file. <br>|  | Document Uploaded. - 08/06/2025 <br> Document Uploaded. Please see XXXX of the XXXX for the XXXX XXXX search results. - 08/01/2025 <br> Document Uploaded. - 07/25/2025 | sam search has been received - 08/10/2025<br> Please provide the seperate XXXX showing the individual search for XXXX. - 08/06/2025<br> Please provide the XXXX for XXXX - 07/30/2025 |  | 2025-08-10 01:46 | Resolved | 3 | 1 | 3 | 2 |
| 2062470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4941096 | 5 of 5 | 2025-07-24 21:04 | 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>|  |  |  |  | 2025-07-24 21:04 | Cleared | 1 | 1 | 3 | 2 |
| 2067909 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5064679 | 1 of 5 | 2025-08-05 19:28 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-05 19:28 | Cleared | 1 | 1 | 3 | 2 |
| 2067909 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5146577 | 2 of 5 | 2025-08-12 15:36 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Personal bank account used as business account with non-borrowing spouse as joint account holder. An exception is referenced in file on a Loan Scenario Review document; however, the formal exception print out was not found in file. <br>|  | Document Uploaded. - 08/15/2025<br>| Use of a joint personal bank statement for business income - A formal exception is in file. - 08/17/2025<br>| Compensating factors used were Loan LTV is 11% below program maximum and DTI is 38.61% with maximum DTI of 50%. | 2025-08-17 15:51 | Waived | 3 | 2 | 3 | 2 |
| 2067909 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5146985 | 3 of 5 | 2025-08-12 15:57 | 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>|  |  |  |  | 2025-08-12 15:57 | Cleared | 1 | 1 | 3 | 2 |
| 2067909 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5169257 | 4 of 5 | 2025-08-13 21:17 | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Provide final settlement statement or wire advice to support $XXXX gift funds were wired directly to title. The settlement statement provided is an estimate, and the gift fund letter indicated funds would be wired directly to title. <br>|  | Document Uploaded. - 08/15/2025<br>| Received $XXXX wire advice directly to title that reconciled with gift letter. - 08/17/2025 |  | 2025-08-17 15:49 | Resolved | 3 | 1 | 3 | 2 |
| 2067909 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5169362 | 5 of 5 | 2025-08-13 21:24 | Credit | Assets - Insufficient Cash to Close or Reserves | Borrower(s) total verified assets are insufficient for cash to close or reserves. Total reserves short in the amount of $XXXX as guidelines do not allow gift funds to be used towards reserves. After the $XXXX was applied, $XXXX remaining funds per final CD were required to close. After the documented assets including the $XXXX gift funds were applied, the remaining documented assets available for reserves were $XXXX. However, six months reserves in the total amount of $XXXX were required, which result in the $XXXX shortfall. Please document additional assets to show that the reserve requirement was met.  |  | Please update status to 'Loan Review Complete' as all conditions have been resolved or waived. - 08/21/2025 <br>Document Uploaded. - 08/15/2025<br>| Received transaction statement through XXXX which showed $XXXX wire transfer and balance as of XXXX was $XXXX. Using $XXXX showed sufficient funds available for the subject transaction as of XXXX close date. - 08/26/2025<br> Received transaction statement through XXXX which showed $XXXX wire transfer and balance as of XXXX was $XXXX. Using $XXXX showed sufficient funds available for the subject transaction as of XXXX close date. - 08/17/2025<br> Liquid Funds Post-Close are greater than or equal to $XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. - 08/17/2025 |  | 2025-08-26 03:08 | Resolved | 3 | 1 | 3 | 2 |
| 2067910 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5151528 | 1 of 5 | 2025-08-12 19:35 | Compliance | Right to Rescind - ROR - Non-Borrower/Missing | Non-borrower title holder did not receive Right of Rescission form. The Right to Cancel for Co Borrower and Non Borrowing individual are not present in the loan documents. <br>|  | Document Uploaded. - 08/18/2025<br>| Received signed RTC - 08/19/2025<br>|  | 2025-08-19 14:01 | Resolved | 3 | 1 | 3 | 2 |
| 2067910 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5151529 | 2 of 5 | 2025-08-12 19:35 | Compliance | Right of Rescission is Partially Provided | Right of Rescission is partially provided. The Right to Cancel for Co Borrower and Non Borrowing individual are not present in the loan documents. <br>|  | Document Uploaded. - 08/18/2025<br>| Received signed RTC - 08/19/2025<br>|  | 2025-08-19 14:01 | Resolved | 3 | 1 | 3 | 2 |
| 2067910 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5196267 | 3 of 5 | 2025-08-15 17:43 | Credit | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). <br>|  | Document Uploaded. - 08/18/2025<br>| Received GAP credit report. - 08/19/2025<br>Borrower 1 Gap Credit Report is not expired. - 08/19/2025<br>|  | 2025-08-19 23:40 | Resolved | 3 | 1 | 3 | 2 |
| 2067910 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5197070 | 4 of 5 | 2025-08-15 18:26 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 insurance policy effective date is after the Note date. <br>|  | Document Uploaded. - 08/15/2025<br>| Received H06 insurance policy effective as of the subject loan Note Date. - 08/18/2025<br> HO-6 Insurance Policy Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided - 08/18/2025 |  | 2025-08-18 21:01 | Resolved | 3 | 1 | 3 | 2 |
| 2067910 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5198952 | 5 of 5 | 2025-08-15 20:12 | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Condos which are otherwise warrantable but ineligible due to one of the following criteria may be considered: Investor Concentration, Insufficient Budgeted Reserves, Commercial Space, or Insurance Deductible. However, the subject property HOA is still in control by the Developer which is not a specified reason for approval consideration. Provide an approved exception with specified compensating factors to support the loan on a property where the developer is still in control of the HOA. <br>|  | Loan factors noted on Guideline Exception Review document that can be considered as compensating factors include: 25% LTV, 761 FICO. - 08/19/2025 <br>Document Uploaded. - 08/18/2025<br>| Non-warrantable condominium - A formal exception is in file. - 08/19/2025<br>| 25% LTV, 761 FICO | 2025-08-27 20:31 | Waived | 3 | 2 | 3 | 2 |
| 2065425 |  |  | XXXX | XXXX | XXXX | CA | Second Home | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5194910 | 1 of 3 | 2025-08-15 16:33 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-15 16:33 | Cleared | 1 | 1 | 1 | 1 |
| 2065425 |  |  | XXXX | XXXX | XXXX | CA | Second Home | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5219896 | 2 of 3 | 2025-08-18 20:34 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-18 22:16 | Cleared | 1 | 1 | 1 | 1 |
| 2065425 |  |  | XXXX | XXXX | XXXX | CA | Second Home | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5219908 | 3 of 3 | 2025-08-18 20:35 | 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>|  |  |  |  | 2025-08-18 20:35 | Cleared | 1 | 1 | 1 | 1 |
| 2065426 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5165901 | 1 of 3 | 2025-08-13 18:22 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-13 18:22 | Cleared | 1 | 1 | 1 | 1 |
| 2065426 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5183294 | 2 of 3 | 2025-08-14 19:37 | 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>|  |  |  |  | 2025-08-14 19:37 | Cleared | 1 | 1 | 1 | 1 |
| 2065426 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5184643 | 3 of 3 | 2025-08-14 20:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-14 20:48 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](image_005.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | Ellington Mangagement Group |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | EFMT 2025-NQM5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 09/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| 2065427 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2062470 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| 2067909 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| 2067910 |  |  | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 1 | 3 | 2 | C | B | C | A | C | A | C | B | C | B | C | A | C | A | C | B | C | B | C | A | C | A | C | B | C | B | C | A | C | A | C | B | C | B | C | A | C | A | C | B |
| 2065425 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2065426 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2065427 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | .00 | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 2062470 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | .00 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2067909 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.37 | 79.37 | XXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 2067910 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 22.3 | 22.3 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | .00 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 2065425 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.5 | 63.5 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | .00 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 2065426 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | .00 | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **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** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent 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** |
| 2065427 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13191.40 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 8.208% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | XXXX |  | Annually | 36.49% | 36.38% | 36.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $0.00 | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.6 | XXXX | 16.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | TX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 2062470 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 18567.25 | XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.627% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 43.01% | 43.04% | 43.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, 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 | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.4 | XXXX | 7.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 25.17 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 2067909 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3990.00 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.334% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 38.88% | 43.01% | 43.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.4 | XXXX | 6.4 | No | 79.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 14.50 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 2067910 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.322% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | Yes | 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 - N/A | Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 52.2 | No | 22.3 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 2065425 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790.00 | XXXX | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.461% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | XXXX | XXXX | Monthly | 28.83% | 28.02% | 28.02% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, SESCorp, SESCorp, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | 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 |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 136 | XXXX | 136 | No | 63.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 25 |  |  |  | N/A |  |  |  | XXXX | XXXX |
| 2065426 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3354.65 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.735% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 38.01% | 38.01% | 38.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 88.64% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 60 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Information Form | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.5 | XXXX | 6.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  | 25.00 |  |  |  | N/A |  |  |  | XXXX | XXXX |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.09 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2067909 |  |  | Qualifying Total Debt Income Ratio | XXXX | XXXX | XXXX |
| 2067910 |  |  | CLTV | XXXX | XXXX | XXXX |
| 2067910 |  |  | Primary Appraised Property Value | XXXX | XXXX | XXXX |
| 2065425 |  |  | Note Date | XXXX | XXXX | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10**

![](ex9910001.jpg)

EFMT 2025-NQM5<br>Ellington Management Group, LLC<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**October 6, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For**

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 48 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who are a clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains 23 DSCR loans, 3 Business Purpose loans and 22 NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review** 

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs** 

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs** 

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&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 the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)** 

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)** 

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H <u>ous</u> e Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● 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, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Ownership</u> Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, 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 from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

● Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed 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.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Addreess

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9910002.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**48** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were 3 obligors with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 25, 2025.

![](ex9910004.jpg)

**<u>Loans Reviewed (48)</u>**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;2061172 | &nbsp;&nbsp;2061194 | &nbsp;&nbsp;2065693 | &nbsp;&nbsp;2067902 |
| &nbsp;&nbsp;2057228 | &nbsp;&nbsp;2065688 | &nbsp;&nbsp;2065692 | &nbsp;&nbsp;2065694 |
| &nbsp;&nbsp;2065687 | &nbsp;&nbsp;2061193 | &nbsp;&nbsp;2071747 | &nbsp;&nbsp;2071751 |
| &nbsp;&nbsp;2061190 | &nbsp;&nbsp;2067906 | &nbsp;&nbsp;2061192 | &nbsp;&nbsp;2065689 |
| &nbsp;&nbsp;2067898 | &nbsp;&nbsp;2067904 | &nbsp;&nbsp;2067908 | &nbsp;&nbsp;2075211 |
| &nbsp;&nbsp;2059586 | &nbsp;&nbsp;2061183 | &nbsp;&nbsp;2067901 | &nbsp;&nbsp;2075207 |
| &nbsp;&nbsp;2071745 | &nbsp;&nbsp;2061177 | &nbsp;&nbsp;2057230 | &nbsp;&nbsp;2075210 |
| &nbsp;&nbsp;2067900 | &nbsp;&nbsp;2067816 | &nbsp;&nbsp;2071746 | &nbsp;&nbsp;2075212 |
| &nbsp;&nbsp;2057229 | &nbsp;&nbsp;2009706 | &nbsp;&nbsp;2071750 | &nbsp;&nbsp;2075208 |
| &nbsp;&nbsp;2065686 | &nbsp;&nbsp;2065691 | &nbsp;&nbsp;2062541 | &nbsp;&nbsp;2075206 |
| &nbsp;&nbsp;2061184 | &nbsp;&nbsp;2067907 | &nbsp;&nbsp;2067905 | &nbsp;&nbsp;2075209 |
| &nbsp;&nbsp;2065690 | &nbsp;&nbsp;2067899 | &nbsp;&nbsp;2059587 | &nbsp;&nbsp;2075205 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 2009706 | Closed | 2025-03-27 12:57 | 2025-04-15 17:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Large deposits not sourced. - Due Diligence Vendor-03/27/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2025<br>| XXXk Statement to XXXk.pdf<br> XXXK Conv.pdf<br> XXXXXX SPC A - Distribution #7 - XXX XXXXXXX XXXXXXXXX.PDF |  |  | XX | Second Home | Purchase | NA | 3707365 | N/A | N/A |
| XXXX | XXXX |  | 2009706 | Closed | 2025-03-27 12:58 | 2025-03-31 17:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Lender provided documentation for two deposits, finding resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br> Open-Per Guidelines Section 8.2 and XXXX Selling Guide Section B3-4.2-02, large deposits (single deposit that represent more than 50% of the Borrower's qualifying monthly income) must be evaluated and documented. Borrower's qualifying income is $XX,XXX.XX. Account XXXX reflects two large deposits: $XXX,XXX.XX on 03/06/2025 and $XX,XXX.XX on 02/26/2025 (from XXXXXX XXXXXXX which was not documented). The source of the $XXX,XXX.XX deposit is Borrower's XXXXXXXXX account XXXX which in turn had another large unsourced deposit of XXX $XXX.XXX/XX (from XXX XXXX which was not documented). Lender to provide documentation for all large deposits. - Due Diligence Vendor-03/27/2025 |  | Resolved-Lender provided documentation for two deposits, finding resolved. - Due Diligence Vendor-03/31/2025<br>| XXXK Conv.pdf<br> XXXk Statement to XXXk.pdf<br> XXXXXX SPC A - Distribution #7 - XXX XXXXXX XXXXXXXX.PDF |  |  | XX | Second Home | Purchase | NA | 3707377 | N/A | N/A |
| XXXX | XXXX |  | 2009706 | Closed | 2025-03-27 08:13 | 2025-03-31 16:56 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Final closing disclosure reflects impound coverage for insurance, finding resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br> Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-03/27/2025 |  | Resolved-Final closing disclosure reflects impound coverage for insurance, finding resolved. - Due Diligence Vendor-03/31/2025<br>| XXXXXXXX HOI.pdf |  |  | XX | Second Home | Purchase | NA | 3705868 | N/A | N/A |
| XXXX | XXXX |  | 2067816 | Closed | 2025-07-02 14:54 | 2025-08-14 19:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM obtained. Finding resolved. - Due Diligence Vendor-08/14/2025 <br> Ready for Review- - Due Diligence Vendor-08/14/2025 <br> Counter-Guidelines require verification of housing history for the most recent 12 months, for all properties in the USA, regardless of occupancy. The property associated with the 1031 exchange is in the US and was not sold until XX/XXXX. Condition retained. - Due Diligence Vendor-07/09/2025 <br> Counter-1031 exchange property was a NOO, not on credit and SOLD. - Buyer-07/03/2025 <br> Counter-No rebuttal comments or support documents provided. Finding remains. - Due Diligence Vendor-07/03/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. GL section 6.6.2 requires 12 months of mortgage history for properties located in United States for Foreign National borrowers. Missing the mortgage history for the property associated with the 1031 exchange. - Due Diligence Vendor-07/02/2025 |  | Resolved-VOM obtained. Finding resolved. - Due Diligence Vendor-08/14/2025<br>| 549300F8C5JA44WNMI75620767436566_Credit - Other REO PITI(A)_20250708210623_4630231.pdf |  |  | XX | Investment | Purchase | NA | 4630231 | N/A | N/A |
| XXXX | XXXX |  | 2067816 | Closed | 2025-07-02 18:37 | 2025-07-09 14:34 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Loan Approval reflecting correct loan amount was provided. Condition cleared. - Due Diligence Vendor-07/09/2025 <br> Counter-Please provide approval documents with the correct loan amount of $X,XXX,XXX.XX LTV of 66.22% and DTI of 28.41%. Thank you. - Due Diligence Vendor-07/03/2025 <br> Open-Missing Approval/Underwriting Summary Missing Final 1008 and Loan approval. Both documents in file reflect the incorrect loan amount/LTV/DTI. - Due Diligence Vendor-07/02/2025 |  | Resolved-Loan Approval reflecting correct loan amount was provided. Condition cleared. - Due Diligence Vendor-07/09/2025<br>| 549300F8C5JA44WNMI75620767436566_1008_1003 XXXXX Final_20252006190126_4635759.pdf<br> 549300F8C5JA44WNMI75620767436566_Underwriting - Final Approval_CTC_20252006190126_4635759.pdf<br> 549300F8C5JA44WNMI75620767436566_1008_1003 XXXXX Final_20252006190126_4635759.pdf<br> 549300F8C5JA44WNMI75620767436566_Underwriting - Final Approval_CTC_20252006190126_4635759.pdf |  |  | XX | Investment | Purchase | NA | 4635759 | N/A | N/A |
| XXXX | XXXX |  | 2061177 | Closed | 2025-07-10 11:49 | 2025-08-06 17:31 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Wife who is a US citizen signed closing docs for husband with a Power of Attorney. Power of Attorney is not allowed for foreign national borrowers. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-07/30/2025 <br>Open-Power of Attorney is not allowed for foreign national borrowers. - Due Diligence Vendor-07/10/2025 |  | Waived-Wife who is a US citizen signed closing docs for husband with a Power of Attorney. Power of Attorney is not allowed for foreign national borrowers. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-07/30/2025<br>|  |  | 1 .DTI 13% vs max 50%<br> 2 Reserves 15+ months vs min 12 months<br> 3. Residual income $XXk | XX | Second Home | Purchase | NA | 4762425 | Originator Post-Close | No |
| XXXX | XXXX |  | 2061172 | Closed | 2025-07-16 12:51 | 2025-09-24 18:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/17/2025 <br> Ready for Review-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements . - Due Diligence Vendor-07/17/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements An additional monthly payment of $X,XXX.XX is reflected on loan 1008 and has been included in the DTI calculations; however, no supporting documentation has been provided in the loan file. - Due Diligence Vendor-07/16/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/17/2025<br>| 25050024642_Misc - Document Upload_20251707152129_4832641.pdf |  |  | XX | Second Home | Purchase | NA | 4832641 | N/A | N/A |
| XXXX | XXXX |  | 2061172 | Closed | 2025-07-16 20:02 | 2025-07-22 20:24 | Cured | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Cured-Post Close CD and evidence of $XXX.XX refund to borrower received. Finding cured. - Due Diligence Vendor-07/22/2025 <br> Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $100 when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($250.00). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) It appears the Lender did not include the $250 Travel fee in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 |  | Cured-Post Close CD and evidence of $XXX refund to borrower received. Finding cured. - Due Diligence Vendor-07/22/2025 | 25050024642_Closing Disclosure_20252207185851_4842237.pdf<br>25050024642_Misc - Document Upload_20252207185851_4842237.pdf |  |  | XX | Second Home | Purchase | NA | 4842237 | N/A | N/A |
| XXXX | XXXX |  | 2061172 | Closed | 2025-07-16 12:55 | 2025-07-17 18:50 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Confirmed with seller, debt is monthly foreign rent. LOX and updated 1003 received. Finding resolved. - Due Diligence Vendor-07/17/2025 <br> Open-Total debt in the amount of $X,XXX.XX is reflected on loan 1008 and has been included in the DTI calculations; however, no supporting documentation has been provided in the loan file. Provide verification of debt(s). - Due Diligence Vendor-07/16/2025 |  | Resolved-Confirmed with seller, debt is monthly foreign rent. LOX and updated 1003 received. Finding resolved. - Due Diligence Vendor-07/17/2025<br>| 25050024642_Misc - Document Upload_20251707152129_4832686.pdf |  |  | XX | Second Home | Purchase | NA | 4832686 | N/A | N/A |
| XXXX | XXXX |  | 2061184 | Closed | 2025-07-16 06:29 | 2025-07-18 18:25 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Disclosure tracking provided. Finding resolved. - Due Diligence Vendor-07/18/2025 <br>Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. Provided report has incorrect consummation date, - Due Diligence Vendor-07/16/2025 |  | Resolved-Disclosure tracking provided. Finding resolved. - Due Diligence Vendor-07/18/2025<br>| 5493003X6Y6JGJKHPA252504IHLC895425_Untitled_20251807174607_4831007.pdf |  |  | XX | Primary Residence | Purchase | NA | 4831007 | N/A | N/A |
| XXXX | XXXX |  | 2061184 | Closed | 2025-07-16 06:05 | 2025-07-18 18:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-. - Due Diligence Vendor-07/18/2025 <br> Resolved-. - Due Diligence Vendor-07/18/2025 <br> Resolved-Received CD dated 7/01/2025. Condition cleared. - Due Diligence Vendor-07/18/2025 <br> Resolved- - Due Diligence Vendor-07/18/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXXX) not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) A Loan Estimate dated XX/XX/XXXX and a Closing disclosure dated XX/XX/XXXX were provided. Provide all other LE and CDs that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 |  | Resolved-. - Due Diligence Vendor-07/18/2025 <br> Resolved-. - Due Diligence Vendor-07/18/2025 <br> Resolved-Received CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-07/18/2025 | 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_1_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_2015 Settlement Service Provider List_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Public__Companywide_Changed Circumstance Form LE - 2025.DOC_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Closing Disclosure_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Receipt of Loan Estimate_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_NY Interest Rate Lock-In Agreement_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Intent to Proceed_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_1_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_2015 Settlement Service Provider List_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Public__Companywide_Changed Circumstance Form LE - 2025.DOC_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Receipt of Loan Estimate_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Closing Disclosure_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_NY Interest Rate Lock-In Agreement_20251707151534_4830958.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Intent to Proceed_20251707151534_4830958.pdf |  |  | XX | Primary Residence | Purchase | NA | 4830958 | N/A | N/A |
| XXXX | XXXX |  | 2061184 | Closed | 2025-07-16 06:28 | 2025-07-18 18:24 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-07/18/2025 <br> Resolved-Received LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-07/18/2025 <br> Open-A Loan Estimate dated XX/XX/XXXX and a Closing disclosure dated XX/XX/XXXX were provided. Provide all other LE and CDs that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-07/16/2025 |  | Resolved-Received LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-07/18/2025 | 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_1_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_2015 Settlement Service Provider List_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Public__Companywide_Changed Circumstance Form LE - 2025.DOC_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Closing Disclosure_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Receipt of Loan Estimate_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_NY Interest Rate Lock-In Agreement_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Intent to Proceed_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Loan Estimate_1_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_2015 Settlement Service Provider List_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Public__Companywide_Changed Circumstance Form LE - 2025.DOC_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Receipt of Loan Estimate_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Closing Disclosure_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_NY Interest Rate Lock-In Agreement_20251707151534_4831004.pdf<br> 5493003X6Y6JGJKHPA252504IHLC895425_Acknowledgement of Intent to Proceed_20251707151534_4831004.pdf |  |  | XX | Primary Residence | Purchase | NA | 4831004 | N/A | N/A |
| XXXX | XXXX |  | 2061184 | Closed | 2025-07-16 05:02 | 2025-07-18 18:24 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved- - Due Diligence Vendor-07/18/2025 <br>Resolved-Received E consent. Condition cleared. - Due Diligence Vendor-07/18/2025 <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-07/18/2025 <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). E-Consent documentation on TRID loan is missing for borrower - Due Diligence Vendor-07/16/2025 |  | Resolved-Received E consent. Condition cleared. - Due Diligence Vendor-07/18/2025 <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-07/18/2025<br>| 5493003X6Y6JGJKHPA252504IHLC895425_Untitled_20251707144741_4830783.pdf<br>5493003X6Y6JGJKHPA252504IHLC895425_Untitled_1_20251707144741_4830783.pdf |  |  | XX | Primary Residence | Purchase | NA | 4830783 | N/A | N/A |
| XXXX | XXXX |  | 2061192 | Closed | 2025-07-18 18:06 | 2025-07-22 15:40 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Full disclosure tracking received. Finding resolved. - Due Diligence Vendor-07/22/2025 <br>Counter-Condition set for Ready for Review however no documents were found in bulletin board to support any rebuttal. Please upload documents for review. Thank you. - Due Diligence Vendor-07/22/2025 <br>Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. - Due Diligence Vendor-07/18/2025 |  | Resolved-Full disclosure tracking received. Finding resolved. - Due Diligence Vendor-07/22/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 4872224 | N/A | N/A |
| XXXX | XXXX |  | 2061190 | Closed | 2025-07-23 07:57 | 2025-07-24 19:33 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-07/24/2025 <br> Resolved-Mortgage paid in full. Email from insurance agent received. Mortgagee clause to be omitted Finding resolved. - Due Diligence Vendor-07/24/2025 <br> Open-REO property appears to be Free & Clear per the final 1003 and the Satisfaction in file dated XX/XX/XXXX. The HOI document dated XX/XXXX shows a mortgagee clause with the lender name. Please provide HOI dec page confirming there is no lien. Additional conditions may apply. - Due Diligence Vendor-07/23/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-07/24/2025 <br>Resolved-Mortgage paid in full. Email from insurance agent received. Mortgagee clause to be omitted Finding resolved. - Due Diligence Vendor-07/24/2025<br>| 549300E4YLQ3BVQ4GW30NY0121357518_Misc - Document Upload_20252407185325_4914296.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Misc - Document Upload_20252407185325_4914296.pdf<br>RE_ Ilyayev 25060025367.msg |  |  | XX | Primary Residence | Purchase | NA | 4914296 | N/A | N/A |
| XXXX | XXXX |  | 2061190 | Closed | 2025-07-23 07:55 | 2025-07-24 12:29 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Documents received. Finding resolved. - Due Diligence Vendor-07/24/2025 <br>Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. - Due Diligence Vendor-07/23/2025 |  | Resolved-Documents received. Finding resolved. - Due Diligence Vendor-07/24/2025<br>| 549300E4YLQ3BVQ4GW30NY0121357518_Notice of Change Circumstances Reasons_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Closing Disclosure_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Acknowledgement of Intent to Proceed_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_2015 Settlement Service Provider List_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Loan Estimate_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Loan Estimate_1_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Closing Disclosure_1_20252307182948_4914286.pdf<br>549300E4YLQ3BVQ4GW30NY0121357518_Misc - Document Upload_20252307182948_4914286.pdf |  |  | XX | Primary Residence | Purchase | NA | 4914286 | N/A | N/A |
| XXXX | XXXX |  | 2057228 | Closed | 2025-07-25 13:16 | 2025-07-25 14:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Please waive - Buyer-07/25/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-07/25/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/25/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 4945108 | Investor Post-Close | No |
| XXXX | XXXX |  | 2057229 | Closed | 2025-07-29 13:22 | 2025-09-04 15:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided all required documentation. Condition resolved. - Due Diligence Vendor-08/01/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/01/2025 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-08/01/2025 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender provided all required documentation. Condition cleared. - Due Diligence Vendor-08/01/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due to insufficient asset for cash to close - Due Diligence Vendor-07/29/2025 |  | Resolved-The lender provided all required documentation. Condition resolved. - Due Diligence Vendor-08/01/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/01/2025 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-08/01/2025 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender provided all required documentation. Condition cleared. - Due Diligence Vendor-08/01/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 4976993 | N/A | N/A |
| XXXX | XXXX |  | 2057229 | Closed | 2025-07-29 13:19 | 2025-08-01 13:41 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-The lender provided all required documentation. Condition resolved. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-07/31/2025 <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $413,654.60 less cash to close of $376,663.55 and less unverified EMD of $50,000 results in $13,008.95 shortage of funds to close. - Due Diligence Vendor-07/29/2025 |  | Resolved-The lender provided all required documentation. Condition resolved. - Due Diligence Vendor-08/01/2025<br>| XX XXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | 4976953 | N/A | N/A |
| XXXX | XXXX |  | 2057230 | Closed | 2025-08-04 16:41 | 2025-09-03 17:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/05/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender guidelines require verification that the borrower is at least 25% owner of the business by providing CPA/Accountant, IRS Enrolled Agent, or Licensed Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. File is missing with documentation from mentioned list to verify ownership of borrower in business 1c per final application. - Due Diligence Vendor-08/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/05/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5043593 | N/A | N/A |
| XXXX | XXXX |  | 2057230 | Closed | 2025-08-04 18:34 | 2025-09-03 17:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/05/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of Insurance and HOA for property 3e and 3f on final application. Also Missing Note/Final CD to verify P&I for property 3e on final application. - Due Diligence Vendor-08/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/05/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5046215 | N/A | N/A |
| XXXX | XXXX |  | 2057230 | Closed | 2025-08-04 19:47 | 2025-09-03 17:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/05/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing Evidence of Insurance and HOA for property 3e and 3f on final application. Also Missing Note/Final CD to verify P&I for property 3e on final application. - Due Diligence Vendor-08/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/05/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5047959 | N/A | N/A |
| XXXX | XXXX |  | 2057230 | Closed | 2025-08-04 17:56 | 2025-08-05 13:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/05/2025 <br>Open-Missing Evidence of Insurance and HOA for property 3e and 3f on final application. Also Missing Note/Final CD to verify P&I for property 3e on final application - Due Diligence Vendor-08/04/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-08/05/2025<br>| No HOA dues letter listing all properties.pdf<br> XXXXX Insurance.pdf<br> Insurance XXXXX XXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5045280 | N/A | N/A |
| XXXX | XXXX |  | 2057230 | Closed | 2025-08-04 16:34 | 2025-08-05 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required information. Condition resolved. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br>Open-The lender guidelines require verification that the borrower is at least 25% owner of the business by providing CPA/Accountant, IRS Enrolled Agent, or Licensed Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. File is missing with documentation from mentioned list to verify ownership of borrower in business 1c per final application. - Due Diligence Vendor-08/04/2025 |  | Resolved-The lender provided the required information. Condition resolved. - Due Diligence Vendor-08/05/2025<br>| CPA letter XXXXX XXXXXXXX XXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5043466 | N/A | N/A |
| XXXX | XXXX |  | 2057230 | Closed | 2025-08-04 19:40 | 2025-08-05 13:42 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br> Open-Audited Loan Amount of $XXXXXXX.XX is greater than the Guideline Maximum Loan Amount of $3,000,000 As per GL, Maximum loan amount is $3,000,000 however audited loan amount is $X,XXX,XXX.XX - Due Diligence Vendor-08/04/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/05/2025<br>| Exception.pdf |  | DTI 40% < 50% Max<br> 0x30x24 Housing History vs 0x30x12 requirement<br> 21 Months Reserves > 12 months minimum<br> Residual Income $XXX,XXX.XX > $1158 requirement for family of 5 | XX | Primary Residence | Refinance | Cash Out - Other | 5047774 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2059587 | Closed | 2025-08-05 15:18 | 2025-08-06 16:22 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require non-institutional party VOR to also have either prior 12 months cancelled checks or bank statements. The file is missing either prior 12 months cancelled checks or bank statements. - Due Diligence Vendor-08/05/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/06/2025<br>| Exception.pdf |  | FICO 754 > 700 Min<br> DTI 38% < 50% Max<br> Housing 0x30x163 vs max 1x30x12 | XX | Primary Residence | Purchase | NA | 5058495 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2062541 | Closed | 2025-08-18 12:39 | 2025-09-24 18:57 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/18/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $29128.81 is less than Total Required Reserve Amount of $36,593.16 - Due Diligence Vendor-08/18/2025 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/18/2025<br>| Exception Request.pdf<br>Exception Request.pdf |  | FICO 738, 118>620 Min<br> DTI 42, 8%<50 max<br> Res Inc Xk, X.XK>X.XK min<br> SE 5 yr, 3yrs>2yrs<br> Credit 0x30 established 2005 | XX | Primary Residence | Purchase | NA | 5208676 | Originator Post-Close | No |
| XXXX | XXXX |  | 2062541 | Closed | 2025-08-18 12:39 | 2025-09-24 18:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/18/2025 <br>Open-Audited Reserves of 4.78 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-08/18/2025 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/18/2025<br>| Exception Request.pdf |  | FICO 738, 118>620 min<br> DTI 42, 8%<50 max<br> Res Inc XK, X.XK>X.XK min<br> SE 5 yr, 3yrs>2yrs<br> Credit 0x30 established 2005 | XX | Primary Residence | Purchase | NA | 5208677 | Originator Post-Close | No |
| XXXX | XXXX |  | 2062541 | Closed | 2025-08-18 12:43 | 2025-08-18 19:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Condition cleared. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $29128.81 is less than Total Required Reserve Amount of $36,593.16 - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Condition cleared. - Due Diligence Vendor-08/18/2025<br>| Exception Request.pdf |  | FICO 738, 118>620 min<br> DTI 42, 8%<50 max<br> Res Inc XK, X.XK>X.XK min<br> SE 5 yr, 3yrs>2yrs<br> Credit 0x30 established 2005 | XX | Primary Residence | Purchase | NA | 5208730 | N/A | N/A |
| XXXX | XXXX |  | 2062541 | Closed | 2025-08-18 11:22 | 2025-08-18 16:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/18/2025 <br>Open-Missing Lender Income Calculation Worksheet - Due Diligence Vendor-08/18/2025 |  | Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/18/2025<br>| XXXXX Income calc.pdf |  |  | XX | Primary Residence | Purchase | NA | 5207867 | N/A | N/A |
| XXXX | XXXX |  | 2065687 | Closed | 2025-08-19 12:37 | 2025-08-25 12:48 | Resolved | 1 - Information | Credit | Eligibility | Appraisal not obtained from an approved vendor | Resolved-The appraisal was transferred. Finding Resolved. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Transferred Appraisal - Buyer-08/22/2025 <br>Open-Appraisal was not obtained from an approved vendor. - Due Diligence Vendor-08/19/2025 |  | Resolved-The appraisal was transferred. Finding Resolved. - Due Diligence Vendor-08/25/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5225169 | N/A | N/A |
| XXXX | XXXX |  | 2065686 | Closed | 2025-08-21 18:21 | 2025-09-24 18:59 | Waived | 2 - Non-Material | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Borrower has paid May and June mortgage payments in July. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/21/2025 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Borrower has paid May and June mortgage payments in July. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/21/2025<br>|  |  | Fico 730, 660 min. <br> 18 mos. Reserves +12>6 min<br> 41.5% DTI -8.5< 50%max. | XX | Investment | Refinance | Cash Out - Other | 5270654 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2067901 | Closed | 2025-08-21 14:51 | 2025-08-22 21:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff statement provided. Finding Resolved. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/22/2025 <br>Open-Missing payoff statement for prior loan. Subject property payoff statement is missing in file - Due Diligence Vendor-08/21/2025 |  | Resolved-Payoff statement provided. Finding Resolved. - Due Diligence Vendor-08/22/2025<br>| Payoff.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 5264892 | N/A | N/A |
| XXXX | XXXX |  | 2067898 | Closed | 2025-08-25 17:16 | 2025-08-27 16:21 | Waived | 2 - Non-Material | Credit | Missing Doc | Gift Documentation Incomplete | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/26/2025 <br>Open-Gift Documentation Incomplete. The lender guidelines for foreign national gift funds require the funds to be transferred to a US domiciled bank account, in the borrower name, thirty days of closing. The gifts were deposited to escrow at closing and not transferred to a US domiciled bank account, in the borrower name, thirty days of closing. - Due Diligence Vendor-08/25/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/27/2025<br>| Exception.pdf |  | DTI 9.199%, 40.801%<50% Max<br> Residual income $XX,XXX.XX<br> Reserves 30 months, 27>3 Min | XX | Second Home | Purchase | NA | 5303777 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2067902 | Closed | 2025-08-27 11:03 | 2025-08-29 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Certificate of Good Standing was received. Condition cleared. - Due Diligence Vendor-08/29/2025 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Counter-The Good Standing document submitted does not match the name of the borrowing entity. Please provide Good Standing document for the borrowing entity. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-08/27/2025 |  | Resolved-Certificate of Good Standing was received. Condition cleared. - Due Diligence Vendor-08/29/2025 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-08/29/2025<br>| Good Standing.pdf<br> XXX XXXXXXXXXX XXX.pdf |  |  | XX | Investment | Purchase | NA | 5329418 | N/A | N/A |
| XXXX | XXXX |  | 2067908 | Closed | 2025-08-27 15:01 | 2025-08-28 12:39 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender's guidelines indicate management review and exception are required for all DSCR loans when a living rent free explanation letter is provided in lieu of rental or mortgage payment history. Despite this requirement, management review and exception were not provided. - Due Diligence Vendor-08/27/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2025<br>| Exception.pdf |  | FICO 745 +25>720<br> Clean Depth: Total tradelines 10, oldest tradeline year is 2008. All trades paid 0x30<br> DSCR 1.12 +12%>1.0 Min | XX | Investment | Purchase | NA | 5332827 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2067906 | Closed | 2025-08-27 17:08 | 2025-09-24 19:00 | Waived | 2 - Non-Material | Credit | Eligibility | Cash out amount greater than guideline maximum | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/29/2025 <br> Counter-The Lender Exception provided is for loan amount and not for cash-out. Please provide Lender Exception for cash-out. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/27/2025 <br> Open-Lender guidelines allow a maximum cash out of $500,000; however, per the final Settlement Statement, the borrower received cash out amount of $XXX,XX.XX. The rate lock reflects an exception fee but no lender exception was found in file. - Due Diligence Vendor-08/27/2025 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/29/2025<br>| Exception.pdf<br>Exception.pdf |  | LTV 31.8% vs max 55% 15.3than min 1%<br> 17 mo reserves vs min 12 mo, 5 mo>min<br> experienced investor-has owned 3 investment>4 yrs<br> Housing history 0x12 pay history since inception | XX | Investment | Refinance | Cash Out - Other | 5335661 | Originator Post-Close | No |
| XXXX | XXXX |  | 2067906 | Closed | 2025-08-27 12:05 | 2025-08-28 12:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/27/2025 <br> Open-Audited Loan Amount of $XXXXXXX.XX is greater than the Guideline Maximum Loan Amount of $3,000,000 Audited Loan Amount of $X,XXX,XXX.XX is greater than the Guideline Maximum Loan Amount of $3,000,000. The rate lock reflects an exception fee but no lender exception was found in file. - Due Diligence Vendor-08/27/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2025<br>| Exception.pdf |  | LTV 31.8% vs max 55% 23% lower than max<br> DSCR 1.2% vs min 1%<br> 15 mo reserves vs min 12 mo<br> experienced investor - has owned 3 investment>4 yrs<br> Housing history 0x12 pay history since inception | XX | Investment | Refinance | Cash Out - Other | 5329872 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2071751 | Closed | 2025-08-28 17:50 | 2025-08-29 14:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Please waive - Buyer-08/28/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/29/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5350496 | Investor Post-Close | No |
| XXXX | XXXX |  | 2067904 | Closed | 2025-08-29 20:18 | 2025-08-29 21:48 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history received, condition cleared. - Due Diligence Vendor-08/29/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception for all DSCR loans when a living rent free letter is provided in lieu of rental or mortgage payment history. Despite this requirement, there is no evidence of management review or exception in the loan file. - Due Diligence Vendor-08/29/2025 |  | Resolved-Housing history received, condition cleared. - Due Diligence Vendor-08/29/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/29/2025<br>| Lease renewal previous residence.pdf<br>VOR Previous residence.pdf<br>Lease for prevoous primary, borrower was on the lease.pdf<br>Current residence Lives with spouse.pdf<br>LOE regarding married.pdf |  |  | XX | Investment | Purchase | NA | 5367303 | N/A | N/A |
| XXXX | XXXX |  | 2071750 | Closed | 2025-09-04 04:56 | 2025-09-04 22:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Please waive - Buyer-09/04/2025 <br>Open- - Due Diligence Vendor-09/04/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5404291 | Investor Post-Close | No |
| XXXX | XXXX |  | 2075207 | Closed | 2025-09-05 12:05 | 2025-09-08 15:23 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/05/2025 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX - Due Diligence Vendor-09/05/2025 |  | Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/08/2025<br>| Updated appraisal emailed to borrower.pdf |  |  | XX | Primary Residence | Purchase | NA | 5423890 | N/A | N/A |
| XXXX | XXXX |  | 2075207 | Closed | 2025-09-05 12:05 | 2025-09-08 15:23 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/05/2025 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-09/05/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/08/2025<br>| Updated appraisal emailed to borrower.pdf |  |  | XX | Primary Residence | Purchase | NA | 5423891 | N/A | N/A |
| XXXX | XXXX |  | 2075207 | Closed | 2025-09-05 19:07 | 2025-09-08 15:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-waive - Buyer-09/05/2025 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/05/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/08/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5433095 | Investor Post-Close | No |
| XXXX | XXXX |  | 2075208 | Closed | 2025-09-09 18:05 | 2025-09-12 12:23 | Resolved | 1 - Information | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-09/12/2025 <br>Open-The lender guidelines for Foreign Nationals require either a 15,20,30 Year Fixed, or a 40-year fixed with 10-year interest only. The subject loan is a 30-year fixed with 10-year interest only. - Due Diligence Vendor-09/09/2025 |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-09/12/2025<br>|  |  |  | XX | Investment | Purchase | NA | 5470284 | N/A | N/A |
| XXXX | XXXX |  | 2075206 | Closed | 2025-09-09 16:55 | 2025-09-11 17:09 | Resolved | 1 - Information | Property | Appraisal | Appraisal is Expired | Resolved-Recertification of value received showing property value reduced to $XXX,XXX.XX; however, loan still meets guidelines. Condition cleared. - Due Diligence Vendor-09/11/2025 <br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/10/2025 <br> Open-Primary Value Appraisal is Expired Appraisal dated on XX/XX/XXXX. Condition is applied because appraisal exceed 120 days as per Guideline. - Due Diligence Vendor-09/09/2025 |  | Resolved-Recertification of value received showing property value reduced to $XXX; however, loan still meets guidelines. Condition cleared. - Due Diligence Vendor-09/11/2025 <br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-09/11/2025 | XXXXXXXX_1004D Appraisal Update_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 5468767 | N/A | N/A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Original Loan Amount** |
| XXXX |  | 2009706 | $X,XXX.XX D C A |
| XXXX |  | 2067816 | $X,XXX.XX D A |
| XXXX |  | 2061193 | $X,XXX.XX A |
| XXXX |  | 2061177 | $X,XXX.XX C A B |
| XXXX |  | 2061172 | $X,XXX.XX D C A B |
| XXXX |  | 2061184 | $X,XXX.XX A D |
| XXXX |  | 2061183 | $X,XXX.XX A |
| XXXX |  | 2061192 | $X,XXX.XX A D |
| XXXX |  | 2061190 | $X,XXX.XX D A |
| XXXX |  | 2057228 | $X,XXX.XX A B |
| XXXX |  | 2061194 | $X,XXX.XX A |
| XXXX |  | 2057229 | $X,XXX.XX C A |
| XXXX |  | 2059586 | $X,XXX.XX A |
| XXXX |  | 2057230 | $X,XXX.XX D C A B |
| XXXX |  | 2059587 | $X,XXX.XX C A B |
| XXXX |  | 2065691 | $X,XXX.XX A |
| XXXX |  | 2062541 | $X,XXX.XX D C A B |
| XXXX |  | 2065687 | $X,XXX.XX C A |
| XXXX |  | 2065688 | $X,XXX.XX A |
| XXXX |  | 2065692 | $X,XXX.XX A |
| XXXX |  | 2065693 | $X,XXX.XX A |
| XXXX |  | 2065690 | $X,XXX.XX A |
| XXXX |  | 2065686 | $X,XXX.XX B A |
| XXXX |  | 2065689 | $X,XXX.XX A |
| XXXX |  | 2065694 | $X,XXX.XX A |
| XXXX |  | 2067901 | $X,XXX.XX D A |
| XXXX |  | 2067900 | $X,XXX.XX A |
| XXXX |  | 2067899 | $X,XXX.XX A |
| XXXX |  | 2067905 | $X,XXX.XX A |
| XXXX |  | 2067898 | $X,XXX.XX D A B |
| XXXX |  | 2067907 | $X,XXX.XX A |
| XXXX |  | 2067902 | $X,XXX.XX D A |
| XXXX |  | 2067908 | $X,XXX.XX C A B |
| XXXX |  | 2067906 | $X,XXX.XX C A B |
| XXXX |  | 2071751 | $X,XXX.XX A B |
| XXXX |  | 2071746 | $X,XXX.XX A |
| XXXX |  | 2067904 | $X,XXX.XX C A |
| XXXX |  | 2071747 | $X,XXX.XX A |
| XXXX |  | 2071745 | $X,XXX.XX A |
| XXXX |  | 2071750 | $X,XXX.XX A B |
| XXXX |  | 2075207 | $X,XXX.XX A D B |
| XXXX |  | 2075211 | $X,XXX.XX A |
| XXXX |  | 2075209 | $X,XXX.XX A |
| XXXX |  | 2075208 | $X,XXX.XX C A |
| XXXX |  | 2075210 | $X,XXX.XX A |
| XXXX |  | 2075212 | $X,XXX.XX A |
| XXXX |  | 2075206 | $X,XXX.XX A C |
| XXXX |  | 2075205 | $X,XXX.XX A |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX |  | 2009706 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50566.95 | N/A | Employed |  | Yes |  | No |  |
| XXXX |  | 2067816 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29595.85 | N/A | Employed |  | Yes |  | Yes | Present |
| XXXX |  | 2061193 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2061177 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.618 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33177.71 | N/A | Employed | Not Employed | Yes | No | No |  |
| XXXX |  | 2061172 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 99622.19 | N/A | Employed |  | Yes |  | No |  |
| XXXX |  | 2061184 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60373.94 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2061183 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2061192 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6702.49 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2061190 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51655.29 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2057228 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27947.57 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2061194 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2057229 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7844.32 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2059586 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 235516.5 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2057230 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.234 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 105305.01 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2059587 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16634.41 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2065691 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2062541 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9168.14 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2065687 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22700.78 | N/A | Employed | Employed | No | No | No |  |
| XXXX |  | 2065688 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2065692 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40015.03 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX |  | 2065693 | XX/XX/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 |  | 2065690 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21254.14 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2065686 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4530.63 | N/A | Employed |  | No |  | Yes | Present |
| XXXX |  | 2065689 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12713.2 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2065694 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067901 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067900 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067899 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067905 | XX/XX/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 |  | 2067898 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46300.67 | N/A | Employed | Not Employed | Yes | Yes | No |  |
| XXXX |  | 2067907 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067902 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2067908 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067906 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX |  | 2071751 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 280143.62 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX |  | 2071746 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2067904 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2071747 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2071745 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2071750 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82415.39 | N/A | Employed |  | Yes |  | No |  |
| XXXX |  | 2075207 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9265.64 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2075211 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9568.31 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2075209 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7232.81 | N/A | Employed |  | No |  | No |  |
| XXXX |  | 2075208 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | Yes | No | No | No | Not Tested | 0 | 7.908 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4184.26 | N/A | Employed |  | Yes |  | Yes | Present |
| XXXX |  | 2075210 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2075212 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX |  | 2075206 | XX/XX/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 |  | 2075205 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 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 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX |  | 2009706 | Full Doc - Foreign National | Full Doc - Foreign National | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.644% |  | 8.250% | 8.250% | $2231.26 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3634.12 | $50566.95 | Yes | XXXXX | XX | $696.00 | XX/XX/XXXX | Monthly | 34.38% | 34.38% | 34.38% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | 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 |  | Yes | 36 | 36 | Other |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | XXXXX | XXXXX | XX | XXXXX | XXXXX |  |  |  |  |  | 500 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Australia | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45038.27 | 12.4 | 45038.27 | 12.4 | No | 60 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067816 | Full Doc - Foreign National | Full Doc - Foreign National | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.000% | 9.000% | $9057.85 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $11745.98 | $29595.85 | Yes | XXXXX | XX | $1856.00 | XX/XX/XXXX | Monthly | 29.65% | 28.41% | 28.41% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 69 | 30 | Other |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 500 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Mexico | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 280447.50 | 23.9 | 280447.50 | 23.9 | No | 66.22 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061193 | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $3425.95 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $4588.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.09 | 1.09 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 410840.90 | 89.5 | No | 68.98 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061177 | Full Doc - Foreign National | Full Doc - Foreign National | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 9.618% |  | 9.250% | 9.250% | $2930.78 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3584.29 | $33177.71 | N/A |  |  | $0.00 |  |  | 12.77% | 12.77% | 12.77% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | 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 | Other NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 500 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Singapore | XXXX | XXXX | XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  |  | United States | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 78941.05 | 22.1 | 78941.05 | 22.1 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061172 | Full Doc - Foreign National | Full Doc - Foreign National | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.954% |  | 8.500% | 8.500% | $8996.29 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $12936.22 | $99622.19 | N/A |  |  | $0.00 |  |  | 16.47% | 16.47% | 16.47% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 7 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage - CPA Letter Verified, Executed 4506T Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX |  |  |  |  |  | 500 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | France | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 161801.78 | 12.5 | 161801.78 | 12.5 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061184 | LFC Corr Non-QM Open Road Bank Statement 30 Yr Fixed I/O - EG | LFC Corr Non-QM Open Road Bank Statement 30 Yr Fixed I/O - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.626% |  | 7.500% | 7.500% | $24167.79 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $28785.81 | $60373.94 | N/A | XXXXX | XX | $550.00 | XX/XX/XXXX | Annually | 44.90% | 44.87% | 39.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2024, 2025 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 508888.14 | 17.7 | 508888.14 | 17.7 | No | 73.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061183 | DSCR | LFC Corr Non-QMLFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $897.88 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2517.48 |  | N/A | XXXXX | XX | $531.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.39 | 1.39 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 112721.65 | 44.8 | No | 24.62 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061192 | LFC Corr Non-QM Alt Doc 30 Yr Fixed - EG | LFC Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.967% |  | 7.750% | 7.750% | $2149.23 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2364.77 | $6702.49 | N/A |  |  | $0.00 |  |  | 31.17% | 31.17% | 31.17% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 290180.09 | 122.7 | No | 66.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061190 | LFC Corr Non-QM Alt Doc 30 Yr Fixed - EG | LFC Corr Non-QM Alt Doc 30 Yr Fixed - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.020% |  | 7.750% | 7.750% | $8661.42 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $11221.26 | $51655.29 | N/A |  |  | $0.00 |  |  | 25.43% | 25.77% | 25.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified | Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 333178.44 | 29.7 | 333178.44 | 29.7 | No | 63.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2057228 | FMC 1 Prime Full Doc - 30 YR FIX | FMC 1 Prime Full Doc - 30 YR FIX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.429% |  | 7.000% | 7.000% | $6220.58 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $6852.42 | $27947.57 | N/A |  |  | $0.00 |  |  | 32.64% | 33.47% | 33.47% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 6 | Borrower | Borrower Prepared | Borrower | 6 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2025 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 1007872.07 | 147.1 | 1007872.07 | 147.1 | No | 85 | N/A | No | No | No | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2061194 | DSCR | LFC Corr Non-QM Investor DSCR 5/6-mo ARM SOFR - EG | XXXX | No | XXXX Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $5117.90 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $7183.98 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.002 | 1.002 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 247496.65 | 34.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2057229 | FMC - 18 Prime Minus 30 Year Fixed (Grade A) | FMC - 18 Prime Minus 30 Year Fixed (Grade A) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.737% |  | 7.500% | 7.500% | $3552.01 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $5485.68 | $7844.32 | N/A |  |  | $0.00 |  |  | 45.53% | 45.53% | 45.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 656 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 36991.05 | 6.7 | 36991.05 | 6.7 | No | 55.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2059586 | FMC 18 Prime 30 Year Fixed | FMC 18 Prime 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.992% |  | 7.750% | 7.750% | $7163.41 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $8567.84 | $235516.50 | N/A |  |  | $0.00 |  |  | 3.52% | 3.52% | 3.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 77933.72 | 9.1 | 77933.72 | 9.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2057230 | FMC 18 - Prime 30yr Fixed IO | FMC 18 - Prime 30yr Fixed IO | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.234% |  | 7.125% | 7.125% | $27398.69 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $33080.92 | $105305.01 | N/A |  |  | $0.00 |  |  | 39.38% | 43.02% | 39.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership, 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) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 1587044.81 | 48 | 1846399.93 | 55.8 | No | 51.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2059587 | FMC 8 Prime Alt Doc 30 year Fixed | FMC 8 Prime Alt Doc 30 year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 9.127% |  | 8.875% | 8.875% | $8933.91 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $10513.20 | $16634.41 | N/A |  |  | $0.00 |  |  | 40.57% | 40.57% | 40.57% | No | No | 4 - Verified 2+ Mos |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Employed | Employed |  | .58 |  | 12 Month Bank Statement | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 39.27% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2025, 2024, 2023 \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 754 | 758 | 770 | 760 |  |  |  | 760 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 151178.39 | 14.4 | 151178.39 | 14.4 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065691 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $5025.51 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $7053.83 |  | 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 | 1.276 | 1.25 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 426812.31 | 60.5 | 426812.31 | 60.5 | No | 51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2062541 | FMC 16 - NQM OO 30 year Fixed | FMC 16 - NQM OO 30 year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.628% |  | 7.375% | 7.375% | $4972.86 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $6098.86 | $9168.14 | N/A |  |  | $0.00 |  |  | 41.80% | 42.09% | 42.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 29128.81 | 4.8 | 29128.81 | 4.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065687 | FMC - 18 Prime Minus 30 Year Fixed (Grade A) | FMC - 18 Prime Minus 30 Year Fixed (Grade A) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.302% |  | 7.000% | 7.000% | $4324.47 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $5059.64 | $22700.78 | N/A |  |  | $0.00 |  |  | 34.90% | 34.95% | 34.95% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 87942.22 | 17.4 | No | 47.27 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065688 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $4298.47 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $5349.80 |  | 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 | 1.402 | 1.402 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 228645.06 | 42.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065692 | FMC - 18 Prime 30 Year Fixed | FMC - 18 Prime 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.594% |  | 8.250% | 8.250% | $7822.56 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $9260.02 | $40015.03 | N/A |  |  | $0.00 |  |  | 29.04% | 28.93% | 28.93% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor, SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 61228.15 | 6.6 | 61228.15 | 6.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065693 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | XXXX- NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $4490.79 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $6127.97 |  | 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 | 1.371 | 1.371 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41605.49 | 6.8 | 41605.49 | 6.8 | No | 73.53 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065690 | FMC - 18 Prime 30 Year Fixed | FMC - 18 Prime 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 8.053% |  | 7.875% | 7.875% | $9135.87 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $10827.63 | $21254.14 | N/A |  |  | $0.00 |  |  | 39.66% | 39.66% | 39.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 99.46% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 197886.30 | 18.3 | 197886.30 | 18.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065686 | FMC - 18 Prime Minus Investment 30 Year Fixed (Grade A) | FMC - 18 Prime Minus Investment 30 Year Fixed (Grade A) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.500% | 7.500% | $2595.83 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3659.31 | $4530.63 | N/A |  |  | $0.00 |  |  | 42.57% | 42.57% | 42.57% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  |  | United States | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | .00 | 0 | 33897.44 | 9.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065689 | FMC - 18 Prime 30 Year Fixed | FMC - 18 Prime 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.699% |  | 7.375% | 7.375% | $2289.59 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2783.22 | $12713.20 | N/A |  |  | $0.00 |  |  | 25.28% | 25.28% | 25.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 21499.08 | 7.7 | 21499.08 | 7.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2065694 | DSCR | Investor DSCR 5/6 SOFR ARM | XXXX | No | XXXX- NonQM Underwriting and Sales Guide 20240819 - Master 1 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $5279.52 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $7046.01 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.707 | 1.707 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 89402.55 | 12.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067901 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2616.15 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3500.57 |  | 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 | 1.314 | 1.397 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82223.08 | 23.5 | 82223.08 | 23.5 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067900 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1886.41 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2864.63 |  | 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 | 1.047 | 1.047 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71678.62 | 25 | 71678.62 | 25 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067899 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2530.87 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3497.79 |  | 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 | 1.258 | 1.258 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71678.62 | 20.5 | 71678.62 | 20.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067905 | FMC -18 Investor DSCR 30 Year Fixed | FMC - 18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1816.56 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2165.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.316 | 1.316 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 65494.55 | 30.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067898 | FMC 8 Foreign National 30 year Fixed | FMC 8 Foreign National 30 year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.658% |  | 7.250% | 7.250% | $3103.90 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $4329.86 | $46300.67 | N/A | XXXXX | XX | $265.00 | XX/XX/XXXX | Annually | 9.06% | 9.07% | 9.07% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 55.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified - 2025, 2024, 2023 \|\| Co Borrower | Borrower - 2025, 2024, 2023 \|\| Co Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Mexico | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National | N/A | Passport |  |  | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 122059.21 | 28.2 | 122059.21 | 28.2 | No | 55.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067907 | DSCR | Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $845.17 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $1236.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.436 | 1.436 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 49433.66 | 40 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067902 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2407.23 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2624.28 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.124 | 1.124 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 95200.82 | 36.3 | 95200.82 | 36.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067908 | FMC -18 Investor DSCR 30 Year Fixed I/O | FMC -18 Investor DSCR 30 Year Fixed I/O | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $2325.00 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2586.73 |  | 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 | 1.121 | 1.121 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16012.18 | 6.2 | 16012.18 | 6.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067906 | FMC 16 - 30yr Fixed NOO | Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $24472.51 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $29897.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.338 | 1.3 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 610557.67 | 20.4 | No | 39.77 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2071751 | FMC - 18 Prime 30 Year Fixed (Bank Statement) | FMC - 18 Prime 30 Year Fixed (Bank Statement) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.910% |  | 7.625% | 7.625% | $5308.45 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $8780.60 | $280143.62 | Yes | XXXXX | XX | $1300.00 | XX/XX/XXXX | Monthly | 4.86% | 4.00% | 4.00% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 250413.86 | 28.5 | No | 78.95 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2071746 | DSCR | Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $969.09 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $1338.87 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.494 | 1.453 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 49820.32 | 37.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2067904 | FMC -18 Investor DSCR 30 Year Fixed | Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1250.74 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $1790.45 |  | 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 | 1.257 | 1.25 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21064.35 | 11.8 | 21064.35 | 11.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2071747 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2924.96 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $4001.79 |  | N/A | XXXXX | XX | $52.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.075 | 1.003 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 64949.95 | 16.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2071745 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $3226.72 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $4981.99 |  | Yes | XXXXX | XX | $1153.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.204 | 1.204 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6260.31 | 1.2 | 281693.22 | 55 | No | 57.06 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXXX |  |  |  |
| XXXX |  | 2071750 | FMC - 18 Foreign National 30 Year Fixed | FMC - 18 Foreign National 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.522% |  | 7.250% | 7.250% | $10004.12 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $12921.66 | $82415.39 | N/A | XXXXX | XX | $259.00 | XX/XX/XXXX | Monthly | 13.55% | 13.55% | 13.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | CPA Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 28.64% |  |  | N/A | 0 | N/A |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Mexico | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 188379.35 | 14.6 | 188379.35 | 14.6 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075207 | FMC - 18 Prime 30 Year Fixed (Bank Statement) | FMC - 18 Prime 30 Year Fixed (Bank Statement) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.367% |  | 8.000% | 8.000% | $2476.46 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3185.95 | $9265.64 | N/A |  |  | $0.00 |  |  | 35.23% | 35.23% | 35.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 43518.15 | 13.7 | 43518.15 | 13.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075211 | FMC - 18 Prime 30 Year Fixed (Bank Statement) | FMC - 18 Prime 30 Year Fixed (Bank Statement) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.972% |  | 7.625% | 7.625% | $3008.12 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $4268.24 | $9568.31 | N/A | XXXXX | XX | $250.00 | XX/XX/XXXX | Annually | 36.22% | 36.22% | 36.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 129876.99 | 30.4 | 129876.99 | 30.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075209 | FMC - 18 Prime 30 Year Fixed (Bank Statement) | FMC - 18 Prime 30 Year Fixed (Bank Statement) | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.324% |  | 7.000% | 7.000% | $1463.67 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2160.04 | $7232.81 | N/A |  |  | $0.00 |  |  | 35.66% | 35.66% | 35.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | 204370.90 | 94.6 | No | 37.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075208 | FMC - 18 Foreign National 30 Year Fixed I/O | FMC - 18 Foreign National 30 Year Fixed I/O | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.908% | $0.00 | 7.500% | 7.500% | $2311.48 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $2624.93 | $4184.26 | N/A | XXXXX | XX | $62.33 | XX/XX/XXXX | Annually | 12.34% | 18.30% | 18.30% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified - 2025, 2024, 2023 | XXXXX | XXXXX | XX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  |  | Brazil | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | 53672.94 | 20.5 | 53672.94 | 20.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075210 | FMC -1 Investor DSCR - 30 YR FIX | FMC 18 Investor DSCR - 30 YR FIX | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $3508.30 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $4988.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.762 | 0.755 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1265512.73 | 253.7 | 1265512.73 | 253.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075212 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $608.95 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $1543.02 |  | N/A | XXXXX | XX | $334.00 | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.134 | 1.13 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 79336.47 | 51.4 | No | 48.57 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075206 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $951.53 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $1264.94 |  | 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 | 1.304 | 1.304 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 21220.95 | 16.8 | No | 72.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |
| XXXX |  | 2075205 | FMC -18 Investor DSCR 30 Year Fixed | FMC -18 Investor DSCR 30 Year Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2859.49 | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | $3552.30 |  | 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 | 1.689 | 1.685 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25701.15 | 7.2 | 25701.15 | 7.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  |  |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX |  | 2067816 | XXXX | Full Doc - Foreign National | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 11745.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.88 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2061193 | XXXX | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | Debt Service Coverage Ratio | Present | Yes | 5000 | 5000 | Appraisal - 1025 |  |  |  |  | 5000 | Actual In Place Rent | No | 91.77 | 1.09 | 1.09 | 4588.27 | 2000 | XX/XX/XXXX | 12 | 3000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 24.1 | 1 | 1 | N/A | 89.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2061183 | XXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 71.93 | 1.39 | 1.39 | 2517.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24080 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 27.2 | 1 | 1 | N/A | 44.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2061194 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 9400 | 7200 | Appraisal - 1025 |  |  |  |  | 7200 | Appraisal - 1025 | No | 99.78 | 1.002 | 1.002 | 7183.98 | 2400 | XX/XX/XXXX | 12 | 2300 | XX/XX/XXXX | 12 | 2400 | XX/XX/XXXX | 12 | 2300 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 140000 |  |  |  | 7200 |  |  |  |  |  |  | No | No | 3 | 1 | 1 | N/A | 34.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX |  | 2065691 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 9000 | 9000 | Appraisal - 1025 |  |  |  |  | 9000 | Actual In Place Rent | No | 78.38 | 1.25 | 1.276 | 7053.83 | 4500 | XX/XX/XXXX | 12 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54000 |  |  |  | 9000 |  |  |  |  |  |  | No | No | 8.2 | 1 | 1 | N/A | 60.51 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2065688 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 8800 | 7500 | Appraisal - 1025 |  |  |  |  | 7500 | Appraisal - 1025 | No | 71.33 | 1.402 | 1.402 | 5349.8 | 2200 | XX/XX/XXXX | 12 | 2200 | XX/XX/XXXX | 12 | 2200 | XX/XX/XXXX | 12 | 2200 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 283906 |  | 0 |  | 7500 |  |  |  |  |  |  | No | No | 12 | 1 | 1 | N/A | 42.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2065693 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 8400 | Appraisal - Narrative |  |  |  |  | 8400 | Appraisal - Narrative | No | 72.95 | 1.371 | 1.371 | 6127.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 187800 |  |  |  | 8400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2065686 | XXXX | FMC - 18 Prime Minus Investment 30 Year Fixed (Grade A) | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3659.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27900 |  |  |  |  |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 9.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2065694 | XXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 6250 | Short Term Rental | 12030 | Other | 12 | 70.00% | 12030 | Other | Yes | 58.57 | 1.707 | 1.707 | 7046.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120000 |  |  |  | 12030 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2067901 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 5600 | 4600 | Appraisal - 1025 |  |  |  |  | 4600 | Appraisal - 1025 | No | 76.1 | 1.397 | 1.314 | 3500.57 | 2800 | XX/XX/XXXX | 12 | 2800 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18558 |  |  |  | 4600 |  |  |  |  |  |  | No | No | 8.2 | 1 | 1 | N/A | 23.49 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2067900 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 3400 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 95.49 | 1.047 | 1.047 | 2864.63 | 3400 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 23.7 | 1 | 1 | N/A | 25.02 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2067899 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 4450 | 4400 | Appraisal - 1025 |  |  |  |  | 4400 | Appraisal - 1025 | No | 79.5 | 1.258 | 1.258 | 3497.79 | 2200 | XX/XX/XXXX | 12 | 2250 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53400 |  |  |  | 4400 |  |  |  |  |  |  | No | No | 18.2 | 1 | 1 | N/A | 20.49 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2067905 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 2850 | 2900 | Appraisal - 1025 |  |  |  |  | 2850 | Actual In Place Rent | No | 75.98 | 1.316 | 1.316 | 2165.54 | 1300 | XX/XX/XXXX | 24 | 1550 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10899.36 |  |  |  | 2850 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 30.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2067907 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 1494 | 1775 | Appraisal - 1007 |  |  |  |  | 1775 | Appraisal - 1007 | No | 69.63 | 1.436 | 1.436 | 1236 | 1494 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21300 |  |  |  | 1775 |  |  |  |  |  |  | No | No | 19.4 | 1 | 1 | N/A | 40 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2067902 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2950 | Appraisal - 1025 |  |  |  |  | 2950 | Appraisal - 1025 | No | 88.96 | 1.124 | 1.124 | 2624.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  | 2950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX |  | 2067908 | XXXX | FMC -18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 89.2 | 1.121 | 1.121 | 2586.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2067906 | XXXX | FMC 16 - 30yr Fixed NOO | Debt Service Coverage Ratio | Present | Yes | 38000 | 40000 | Appraisal - 1007 |  |  |  |  | 40000 | Appraisal - 1007 | No | 74.74 | 1.3 | 1.338 | 29897 | 38000 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 40000 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 20.42 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2071746 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 2000 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 66.94 | 1.453 | 1.494 | 1338.87 | 2000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32842 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 20 | 1 | 1 | N/A | 37.21 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2067904 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  |  |  |  | 2250 | Appraisal - 1007 | No | 79.58 | 1.25 | 1.257 | 1790.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28400 |  |  |  | 2250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2071747 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 4752 | 4300 | Appraisal - 1007 |  |  |  |  | 4300 | Appraisal - 1007 | No | 93.06 | 1.003 | 1.075 | 4001.79 | 4752 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38500 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 16.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2071745 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 |  |  |  |  | 6000 | Appraisal - 1007 | No | 83.03 | 1.204 | 1.204 | 4981.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59783.88 |  |  |  | 6000 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 55.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2075208 | XXXX | FMC - 18 Foreign National 30 Year Fixed I/O | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2624.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2075210 | XXXX | FMC -1 Investor DSCR - 30 YR FIX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1025 |  |  |  |  | 3800 | Appraisal - 1025 | No | 131.28 | 0.755 | 0.762 | 4988.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45600 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 253.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2075212 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 88.17 | 1.13 | 1.134 | 1543.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16000 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 2 | 1 | 1 | N/A | 51.42 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2075206 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | 1650 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 76.66 | 1.304 | 1.304 | 1264.94 | 1650 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11418.36 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 6.3 | 1 | 1 | N/A | 16.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2075205 | XXXX | FMC -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 |  |  |  |  | 6000 | Appraisal - 1007 | No | 59.21 | 1.685 | 1.689 | 3552.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 127200 |  |  |  | 6000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Alt 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 |  | 2009706 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 60.0 | 60.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXX |  | 2067816 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 66.22 | 66.22 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2061193 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 68.98 | 68.98 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2061177 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2061172 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 65.0 | 65.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2061184 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 73.17 | 73.17 |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2061183 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 24.62 | 24.62 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2061192 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 66.67 | 66.67 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXX |  | 2061190 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 63.63 | 63.63 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2057228 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | MODERATE RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| XXXX |  | 2061194 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2057229 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 55.95 | 55.95 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2059586 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2057230 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 51.47 | 51.47 |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2059587 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 89.9 | 89.9 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2065691 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 51.0 | 51.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2062541 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2065687 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 47.27 | 47.27 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXX |  | 2065688 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2065692 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXX |  | 2065693 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 73.53 | 73.53 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2065690 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXX |  | 2065686 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | $X,XXX.XX | -.0303 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2065689 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2065694 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067901 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 65.0 | 65.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067900 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067899 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067905 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067898 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 55.83 | 55.83 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2067907 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXX |  | 2067902 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067908 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2067906 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 39.77 | 39.77 | $X,XXX.XX | $X,XXX.XX | .4773 | 1004 URAR |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2071751 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 78.95 | 78.95 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| XXXX |  | 2071746 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Stewart | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2067904 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2071747 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2071745 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 57.06 | 57.06 | $X,XXX.XX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2071750 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | Clear capital | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXX |  | 2075207 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 90.0 | 90.0 | $X,XXX.XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | .0000 | ClearCapital | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| XXXX |  | 2075211 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 85.0 | 85.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2075209 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 37.93 | 37.93 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2075208 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 70.0 | 70.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2075210 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1025 Small Residential Income Report | $X,XXX.XX | 75.0 | 75.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX |  | 2075212 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1073 Individual Condo Report | $X,XXX.XX | 48.57 | 48.57 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXX |  | 2075206 | XX/XX/XXXX | $X,XXX.XX |  | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 72.79 | 72.79 | $X,XXX.XX | $X,XXX.XX | -.0294 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2075205 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 80.0 | 80.0 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.10 Schedule 7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 2009706 | XXXX-XXX | Occupancy | the1003Page | Second Home | Primary Residence | Audit Value Pulled From Final 1003. |
| XXXX |  | 2061193 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2061193 | XXXX-XXX | Prepayment Penalty Total Term | notePage | 36 | 0 | Audit Value Pulled From Note / PPP Addendum. |
| XXXX |  | 2057228 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.47 | 32.69 | Audit reflects difference in net rental income and primary expense per documents in the loan file |
| XXXX |  | 2057230 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.02 | 39.38 | Audit reflects difference in negative rental income per documents in the loan file & Audit reflects difference in qualifying P & I than the approval. |
| XXXX |  | 2059587 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2059587 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.57 | 40.56 | Rounding. |
| XXXX |  | 2065691 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2062541 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.09 | 41.80 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX |  | 2065687 | XXXX-XXX | Qualifying FICO | creditLiabilitiesPage | 786 | 759 | Audit value based on lender qualifying requirements. |
| XXXX |  | 2065687 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.95 | 34.90 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.  |
| XXXX |  | 2065688 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2065692 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.93 | 29.04 | Audit reflects difference in subject homeowner's insurance per documents in the loan file.  |
| XXXX |  | 2065693 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2067901 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2067899 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2067905 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2067905 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 313.10 | DTI not applicable to loan program DSCR |
| XXXX |  | 2067898 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.07 | 9.06 | Audit reflects difference in subject other insurance per documents in the loan file.  |
| XXXX |  | 2067902 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2067906 | XXXX-XXX | Property Type | propertyValuationPage | Single Family Attached | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2071751 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4 | 4.86 | Audit reflects difference in subject HOA Dues per documents in the loan file.  |
| XXXX |  | 2071746 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 617.13 | DTI not applicable to loan program DSCR |
| XXXX |  | 2075207 | XXXX-XXX | Borrower 1 First Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX |  | 2075208 | XXXX-XXX | Borrower 1 First Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX |  | 2075208 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.3 | 12.34 | Audit reflects difference in subject property negative rental income per documents in the loan file.  |
| XXXX |  | 2075210 | XXXX-XXX | Borrower 1 Last Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX |  | 2075210 | XXXX-XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2075206 | XXXX-XXX | Property Value | propertyValuationPage | Per Audit | Per Tape | Audit Value Pulled From Appraisal. |
| XXXX |  | 2075206 | XXXX-XXX | Property Type | propertyValuationPage | Single Family Detached | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2075206 | XXXX-XXX | Qualifying LTV | propertyValuationPage | 72.79 | 75.00 | Audit value pulled from documents located in the loan file. |
| XXXX |  | 2075206 | XXXX-XXX | Qualifying CLTV | propertyValuationPage | 72.79 | 75.00 | Audit value pulled from documents located in the loan file. |
| XXXX |  | 2075206 | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 556.54 | DTI not applicable to loan program DSCR |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

**Selene Diligence LLC ("Selene")<br> Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between December 2024 and August 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 60 Non-QM loans and 36 ATR-QM exempt loans (DSCR) for a total of 96 loans the "Final Securitization Population".

*<u>Credit Reviews (96):</u>*

During the Review, Selene performed a credit review on 96 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (96)</u>*

During the Review, Selene performed a compliance review, when applicable on 96 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (96):</u>*

During the Review, Selene performed a property valuation review on 96 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (96):</u>*

During the Review, Selene performed a Data Integrity Review on 96 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 96 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;96 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;96 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;96 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;96 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines, LoanStream One Guide, Kind Lending Non-Agency Program Guidelines, and Northpointe Underwriting Guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **10**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **10**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**<br>

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 96 mortgage loans, (ii) a Compliance Review on 96 mortgage loans (iii) a Valuation Review on 96 mortgage loans, and (iv) a Data Integrity Review on 96 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 96 mortgage loans; 66 mortgage loans had a rating grade of A, 30 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (96 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;22 | &nbsp;&nbsp;22.92% | &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;66 | &nbsp;&nbsp;68.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;9.38% | &nbsp;&nbsp;B | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;31.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.54% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;54.17% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;95 | &nbsp;&nbsp;98.96% | &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;70 | &nbsp;&nbsp;72.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;27.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;90 | &nbsp;&nbsp;90 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

Page **5** of **10**

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **10**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **10**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **10**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **10**

**APPENDIX B – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ 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.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **10** of **10**

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2070877 |  | XXXX | XXXX C A B |
| 2043085 |  | XXXX | XXXX D A |
| 2043084 |  | XXXX | XXXX A C |
| 2065242 |  | XXXX | XXXX D A B |
| 2043086 |  | XXXX | XXXX D A |
| 2065250 |  | XXXX | XXXX D A |
| 2065268 |  | XXXX | XXXX D A |
| 2059639 |  | XXXX | XXXX C A B |
| 2065236 |  | XXXX | XXXX D A |
| 2065253 |  | XXXX | XXXX D C A |
| 2065240 |  | XXXX | XXXX D A |
| 2065258 |  | XXXX | XXXX D A |
| 2065251 |  | XXXX | XXXX A D |
| 2065271 |  | XXXX | XXXX C A B |
| 2065238 |  | XXXX | XXXX A |
| 2065269 |  | XXXX | XXXX D A |
| 2065255 |  | XXXX | XXXX A |
| 2065246 |  | XXXX | XXXX A |
| 2065266 |  | XXXX | XXXX D A B |
| 2065256 |  | XXXX | XXXX B A |
| 2065267 |  | XXXX | XXXX A B |
| 2065257 |  | XXXX | XXXX B A |
| 2065252 |  | XXXX | XXXX D A B |
| 2065270 |  | XXXX | XXXX A B |
| 2065237 |  | XXXX | XXXX D A |
| 2065273 |  | XXXX | XXXX A |
| 2059633 |  | XXXX | XXXX D A |
| 2065248 |  | XXXX | XXXX D A |
| 2065249 |  | XXXX | XXXX D A |
| 2065259 |  | XXXX | XXXX B A |
| 2065245 |  | XXXX | XXXX D A |
| 2065272 |  | XXXX | XXXX D A |
| 2059627 |  | XXXX | XXXX C A |
| 2070878 |  | XXXX | XXXX C D A |
| 2059634 |  | XXXX | XXXX D A B |
| 2065239 |  | XXXX | XXXX D A |
| 2065263 |  | XXXX | XXXX A |
| 2065241 |  | XXXX | XXXX D A B |
| 2065262 |  | XXXX | XXXX B A |
| 2066960 |  | XXXX | XXXX B A |
| 2059636 |  | XXXX | XXXX D C A B |
| 2065265 |  | XXXX | XXXX D A B |
| 2065243 |  | XXXX | XXXX A |
| 2065260 |  | XXXX | XXXX A |
| 2065240 |  | XXXX | XXXX D A |
| 2065244 |  | XXXX | XXXX A |
| 2065254 |  | XXXX | XXXX A |
| 2065264 |  | XXXX | XXXX D A B |
| 2065274 |  | XXXX | XXXX A |
| 2065255 |  | XXXX | XXXX A D B |
| 2068710 |  | XXXX | XXXX C A B |
| 2070869 |  | XXXX | XXXX C A |
| 2064361 |  | XXXX | XXXX A |
| 2064359 |  | XXXX | XXXX C A |
| 2066994 |  | XXXX | XXXX D A B |
| 2066995 |  | XXXX | XXXX D A |
| 2064363 |  | XXXX | XXXX A |
| 2064380 |  | XXXX | XXXX A |
| 2064358 |  | XXXX | XXXX A |
| 2064376 |  | XXXX | XXXX D A |
| 2064366 |  | XXXX | XXXX C A |
| 2066996 |  | XXXX | XXXX D A B |
| 2064378 |  | XXXX | XXXX C A |
| 2064370 |  | XXXX | XXXX D A |
| 2068707 |  | XXXX | XXXX A D B |
| 2064371 |  | XXXX | XXXX A D |
| 2066997 |  | XXXX | XXXX D A |
| 2064360 |  | XXXX | XXXX C D A |
| 2064365 |  | XXXX | XXXX C D A |
| 2064373 |  | XXXX | XXXX A |
| 2066998 |  | XXXX | XXXX D C A |
| 2064372 |  | XXXX | XXXX A |
| 2064362 |  | XXXX | XXXX D A |
| 2064379 |  | XXXX | XXXX A |
| 2064369 |  | XXXX | XXXX C A |
| 2066999 |  | XXXX | XXXX D B A |
| 2064377 |  | XXXX | XXXX D A |
| 2064364 |  | XXXX | XXXX D C A |
| 2064375 |  | XXXX | XXXX D A |
| 2064357 |  | XXXX | XXXX A |
| 2064368 |  | XXXX | XXXX C D A |
| 2064381 |  | XXXX | XXXX D A C |
| 2064374 |  | XXXX | XXXX D A |
| 2066963 |  | XXXX | XXXX D A B |
| 2064443 |  | XXXX | XXXX A |
| 2059639 |  | XXXX | XXXX C A |
| 2066962 |  | XXXX | XXXX D A B |
| 2070876 |  | XXXX | XXXX B A |
| 2066966 |  | XXXX | XXXX D A |
| 2067000 |  | XXXX | XXXX C A |
| 2066964 |  | XXXX | XXXX A |
| 2068708 |  | XXXX | XXXX A |
| 2070875 |  | XXXX | XXXX A |
| 2070872 |  | XXXX | XXXX D A B |
| 2070871 |  | XXXX | XXXX B A |
| 2070874 |  | XXXX | XXXX C A D B |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 2070877 |  |  | Closed | 2025-05-22 04:45 | 2025-06-17 16:48 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception made for cash out exceeding XXXX% on rate/term by $XXXX - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Re-Reviewed final that wasn't uploaded and agree. See attached exception - Seller-06/16/2025 <br> Counter-XXXX% of the $XXXX is $XXXX, but the cash back at close is $XXXX which is surpassing the XXXX% limit of rate and term. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Loan amount was revised to accommodate the less than XXXX%cash back at close. Note the loan amount of $XXXX on the final approval for this this file.<br> Borrowers cash back is based on the revised, final loan amount at docs. Please review the uploaded.<br> - Seller-06/13/2025 <br> Counter-Borrowers cash out shows an amount of XXXX on the Borrowers Final settlement Statement that is in the file - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Borrower can receive the lesser of XXXX% of the total loan amount per XXXX guidelines. <br> The total cash out for this loan cannot exceed $XXXX. You will note the cash-out is under the XXXX% at $XXXX. - Seller-06/09/2025 <br> Open-Cash Out is not completed according to the guideline requirements Per approval cert loan is a rate/term, per settlement statement borrower receiving more than XXXX% of loan amount - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Re-Reviewed final that wasn't uploaded and agree. See attached exception - Seller-06/16/2025 <br> Ready for Review-Loan amount was revised to accommodate the less than XXXX%cash back at close. Note the loan amount of $XXXX on the final approval for this this file.<br> Borrowers cash back is based on the revised, final loan amount at docs. Please review the uploaded.<br> - Seller-06/13/2025 <br> Ready for Review-Borrower can receive the lesser of XXXX% of the total loan amount per XXXX guidelines. <br> The total cash out for this loan cannot exceed $XXXX. You will note the cash-out is under the XXXX% at $XXXX. - Seller-06/09/2025 | Waived-Exception made for cash out exceeding XXXX% on rate/term by $XXXX - Due Diligence Vendor-06/17/2025 | XXXX |  | Credit Score is XXXX. Minimum required per guidelines is 700.<br> No Derogatory accounts on credit ever.<br> DSCR is .XXXX. Minimum required per guidelines is 1. | CA | Investment | Refinance | Cash Out - Other | 4211205 | Originator Post-Close | Yes |
| XXXX | 2070877 |  |  | Closed | 2025-05-16 08:38 | 2025-06-11 20:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for borrower renting primary residence on a DSCR loan - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements As per Guidelines for Investment Loans Borrower should own the Property but Borrower staying in Rent. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Waived-Exception made for borrower renting primary residence on a DSCR loan - Due Diligence Vendor-06/11/2025<br>| XXXX |  | Credit Score is XXXX. Minimum required per guidelines is 700.<br> No Derogatory accounts on credit ever.<br> DSCR is XXXX. Minimum required per guidelines is 1. | CA | Investment | Refinance | Cash Out - Other | 4160716 | Originator Post-Close | Yes |
| XXXX | 2043085 |  |  | Closed | 2025-05-20 14:00 | 2025-06-10 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-06/03/2025 <br> Resolved-Updated 1008 provided. Max DTI is XXXX%. With in GL requirements. Resolved - Due Diligence Vendor-05/31/2025 <br> Ready for Review-Per Loanstream guidelines we can go to XXXX% DTI - Seller-05/30/2025 <br> Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% P&I amount difference in 1008 and Note and also underwriter considered XXXX% interest rate instead of XXXX%, hence we got difference in DTI. Borrower to qualify using full P&I payment and not interest only payment. - Due Diligence Vendor-05/20/2025 | Ready for Review-Per Loanstream guidelines we can go to XXXX% DTI - Seller-05/30/2025 | Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-06/03/2025 <br> Resolved-Updated 1008 provided. Max DTI is XXXX%. With in GL requirements. Resolved - Due Diligence Vendor-05/31/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4190497 | N/A | N/A |
| XXXX | 2043085 |  |  | Closed | 2025-05-22 16:06 | 2025-06-10 14:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Counter-Missing negative cash flow for investment property XXXX - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-The Final 1003 is Incomplete. Missing negative cash flow for investment property XXXX - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4216116 | N/A | N/A |
| XXXX | 2043085 |  |  | Closed | 2025-05-20 09:46 | 2025-06-03 08:00 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per the Guidelines considered primary wage earner mid score, but 1008 showing lowest mid score, hence there is difference in FICO, 1008 showing XXXX FICO score, whereas primary wage earner mid score showing XXXX FICO score. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-06/03/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4188339 | N/A | N/A |
| XXXX | 2043085 |  |  | Closed | 2025-05-20 13:44 | 2025-06-03 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/03/2025 <br> Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-05/31/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 document as qualifying rate should be Note rate XXXX%, P&I amount is different from the Note document, hence there is difference in DTI. Borrower to qualify using full P&I payment and not interest only payment. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/03/2025 <br>Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4190214 | N/A | N/A |
| XXXX | 2043085 |  |  | Closed | 2025-05-20 08:42 | 2025-05-31 07:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Paystubs 1 Month Provided. Resolved - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Provide more paystubs as there are less than one month. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Paystubs 1 Month Provided. Resolved - Due Diligence Vendor-05/31/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4188190 | N/A | N/A |
| XXXX | 2043084 |  |  | Closed | 2025-05-21 04:08 | 2025-06-05 17:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-06/05/2025 <br> Resolved-Closing for successful Mavent run. COC provided - Due Diligence Vendor-06/03/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX) and comments XXXX and XXXX); XXXX XXXX). - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Ready for Review-Document Uploaded. This COC was previously uploaded-- here it is again! Thank you! - Seller-05/30/2025 <br> Open-There is a decrease in the Lender Credit fee on the CD dated XXXX without an accompanied COC - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX and comments XXXX and - XXXX); XXXX); XXXX). Lender Credit has been decreased to $0.00 in Initial CD without a valid change of circumstances. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Ready for Review-Document Uploaded. This COC was previously uploaded-- here it is again! Thank you! - Seller-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Resolved - Due Diligence Vendor-06/05/2025 <br>Resolved-Closing for successful Mavent run. COC provided - Due Diligence Vendor-06/03/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4199931 | N/A | N/A |
| XXXX | 2043084 |  |  | Closed | 2025-05-21 04:08 | 2025-06-03 17:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit.XXXX; XXXX);XXXX). There is an increase in the credit report fee on the CD dated XXXX without an accompanied COC - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX; XXXX; XXXX). Credit Fee has been increased to $XXXX in revised LE which is dated on XXXX and Point discount fee has been added in Initial CD with $XXXX, without a valid change of circumstances - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved- - Due Diligence Vendor-06/03/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4199930 | N/A | N/A |
| XXXX | 2043084 |  |  | Closed | 2025-05-21 04:37 | 2025-05-29 17:51 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-PCCD received. Mavent has been successfully run with fails - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Open-On Final CD the listed Title fees (Lender's Title Insurance and Settlement Fee) are paid to a provider that's not on providers list, but the fee is still in section B, - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-PCCD received. Mavent has been successfully run with fails - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4200003 | N/A | N/A |
| XXXX | 2065242 |  |  | Closed | 2025-05-23 05:16 | 2025-07-11 17:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-"Requesting exception for rental history required for 12 months. Borrower only able to obtain 6 months. The borrower pays the rent from a foreign account and the borrower cannot get access to the 2024 payments. The LOA and LC have attempted to get a VOR; but the landlord is not opening the email." - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception form - Seller-07/11/2025 <br> Counter-Yes, XXXX is cleared up. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-We're gathering the proof of rental payments. <br> IsXXXX., cleared up? - Seller-06/16/2025 <br> Counter-Evidence from Realtor.com of a house on the land at XXXX. The property report does state that their are no voluntary liens on the property; therefore it is owned Free & Clear. Still awaiting evidence of rental payments being made at the residence in Thailand (Lease received, but not rental payment history). - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. 2 - XXXX - Seller-06/12/2025 <br> Counter-(1) Proof of rental payments made for the Thailand residence still not received. (2) Per the Property report provided (see page 4 of 7) shows the address of XXXXis rural vacant land. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. he lived in the house he owned,XXXX, before the Thai property as indicated on the 1003. They own it free and clear per report. - Seller-05/28/2025 <br> Counter-Lease Agreement for the residence in Thailand received. However, it did not include any evidence of the rent payments being made. Additionally, the borrower has lived there less than 12 months, so a VOR is also needed for the residence prior to living in Thailand. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements • Borrower currently renting the Primary Residence in Thailand for the past 8 months for $XXXX per month. However, a Verification of Rent is missing. To complete a 12-month housing history, the housing history at the prior residence at XXXX is also missing. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. Please see the attached exception form - Seller-07/11/2025 <br> Ready for Review-We're gathering the proof of rental payments. <br> IsXXXX., cleared up? - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-06/12/2025 <br> Ready for Review-Document Uploaded. he lived in the house he owned, XXXX, before the Thai property as indicated on the 1003. They own it free and clear per report. - Seller-05/28/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/23/2025 | Waived-"Requesting exception for rental history required for XXXX months. Borrower only able to obtain XXXX months. The borrower pays the rent from a foreign account and the borrower cannot get access to the 2024 payments. The LOA and LC have attempted to get a VOR; but the landlord is not opening the email." - Due Diligence Vendor-07/11/2025 | XXXX |  | (1) Borrower has been in the same job for XXXX years.<br> (2) Excessive reserves with a strong history of savings (XXXX months of reserves exceeds the guideline minimum of 6).<br> (3) No derogatory credit. <br> (4) FICO score of XXXX is above the guideline minimum of XXXX by 70 points. | FL | Investment | Purchase | NA | 4223793 | Originator Post-Close | Yes |
| XXXX | 2065242 |  |  | Closed | 2025-05-23 12:55 | 2025-05-27 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close, signed XXXX, Was Provided. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. Okay so this started as a W2 employee and then we found out while attaining the WVOE that its actually a self employment scenario. Why the tax returns were brought into the file. And when you have self employment for income, we need proof within 120 days of business up and running and him working so I used the WVOE we attained which was cleared by the UW'er due to notes on VOE and within the 120 days per guidelines. Should be all set - Seller-05/27/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing • VOE is required within 10 business days from the closing date, and it is missing from the file. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. Okay so this started as a W2 employee and then we found out while attaining the WVOE that its actually a self employment scenario. Why the tax returns were brought into the file. And when you have self employment for income, we need proof within 120 days of business up and running and him working so I used the WVOE we attained which was cleared by the UW'er due to notes on VOE and within the 120 days per guidelines. Should be all set - Seller-05/27/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close, signed 5/01/2025, Was Provided. - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4226196 | N/A | N/A |
| XXXX | 2065242 |  |  | Closed | 2025-05-23 13:18 | 2025-05-27 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/27/2025 <br> Open-• Per the Income calculator provided, income was calculated at $XXXX. This amount was also shown on the Initial 1003 signed by the borrowers onXXXX, as well as listed as the Qualifying Income on the Assets Worksheet. However, income listed on the Final 1003, the 1008, and in the Fraud Report was $XXXX. Income calculator for the $XXXX amount is missing. And, due to the income amount discrepancies, unable to determine what the true final qualifying income was. - Due Diligence Vendor-05/23/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-05/27/2025<br>|  |  |  | FL | Investment | Purchase | NA | 4226441 | N/A | N/A |
| XXXX | 2043086 |  |  | Closed | 2025-06-02 04:11 | 2025-06-06 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. B1 income qualified via WVOE and pay stubs - 2 years employment. B2 is XXXX% owner of XXXX. Verified CPA letter confirms business and ownership. Borrower is in coffee roasting business since XXXX.<br>See 12-month bank statement analysis and W2 income calc forms. - Seller-06/05/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower2 income calculation sheet is missing , Provide the income calculation sheet document. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. B1 income qualified via WVOE and pay stubs - 2 years employment. B2 is XXXX% owner of XXXX. Verified CPA letter confirms business and ownership. Borrower is in coffee roasting business since XXXX.<br>See 12-month bank statement analysis and W2 income calc forms. - Seller-06/05/2025 | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 4294748 | N/A | N/A |
| XXXX | 2043086 |  |  | Closed | 2025-06-02 05:43 | 2025-06-09 20:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Massachusetts - Higher Priced Mortgage Loan | Resolved-Massachusetts Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance withXXXX. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (XXXX). The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the (XXXX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX XXXX) - Due Diligence Vendor-06/09/2025 <br> Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance with XXXX. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the (XXXX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX; XXXX) "This loan failed the higher-priced mortgage loan test. (XXXX)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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324 and the Final Closing disclosure on Pg#'s 194, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 191. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 21-24. The loan meets XXXX guidelines, resolved. "<br> - Due Diligence Vendor-06/02/2025 |  | Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance with XXXX. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (XXXX). The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the (XXXX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX; XXXX XXXX) - Due Diligence Vendor-06/09/2025 <br> Resolved-Massachusetts Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance with XXXX. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the (XXXX%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX; XXXX XXXX) "This loan failed the higher-priced mortgage loan test. XXXX))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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324 and the Final Closing disclosure on Pg#'s 194, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 191. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 21-24. The loan meets XXXX guidelines, resolved. "<br> - Due Diligence Vendor-06/02/2025 | XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 4294925 | N/A | N/A |
| XXXX | 2043086 |  |  | Closed | 2025-06-02 05:43 | 2025-06-09 20:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX) - Due Diligence Vendor-06/09/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX "This loan failed the higher-priced mortgage loan test. (XXXXUsing 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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324 and the Final Closing disclosure on Pg#'s 194, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 191. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 21-24. The loan meets XXXX guidelines, resolved. "<br> - Due Diligence Vendor-06/02/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX - Due Diligence Vendor-06/09/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX "This loan failed the higher-priced mortgage loan test. (XXXX)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 inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324 and the Final Closing disclosure on Pg#'s 194, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 191. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 21-24. The loan meets XXXX guidelines, resolved. "<br> - Due Diligence Vendor-06/02/2025 |  |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 4294926 | N/A | N/A |
| XXXX | 2065250 |  |  | Closed | 2025-06-16 03:59 | 2025-07-11 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested Final Business Purpose Affidavit Disclosure Provided, Updated & Condition resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see the attached. - Seller-07/10/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a XXXX loan. Provided notarized Business Purpose Affidavit. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see the attached. - Seller-07/10/2025<br>| Resolved-Requested Final Business Purpose Affidavit Disclosure Provided, Updated & Condition resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX.) - Due Diligence Vendor-07/11/2025 | XXXX |  |  | CT | Investment | Purchase | NA | 4453057 | N/A | N/A |
| XXXX | 2065250 |  |  | Closed | 2025-06-16 05:03 | 2025-06-18 06:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy Provided. - Due Diligence Vendor-06/18/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025 <br>Open-Missing Hazard Insurance Policy Provide Hazard Insurance Policy for subject property. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025<br>| Resolved-Hazard Insurance Policy Provided. - Due Diligence Vendor-06/18/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | CT | Investment | Purchase | NA | 4453265 | N/A | N/A |
| XXXX | 2065250 |  |  | Closed | 2025-06-16 11:10 | 2025-06-18 06:53 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Hazard insurance policy provided.XXXX value now matching. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025 <br> Open-Provide Hazard insurance policy to confirm XXXX calculation. - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-06/17/2025<br>| Resolved-Hazard insurance policy provided.XXXX value now matching. - Due Diligence Vendor-06/18/2025 | XXXX |  |  | CT | Investment | Purchase | NA | 4454493 | N/A | N/A |
| XXXX | 2065268 |  |  | Closed | 2025-06-20 04:59 | 2025-07-07 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Borrower is US Citizen, updated 1003 uploaded - Resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. Borrower is a US Citizen - Seller-07/03/2025 <br>Open-Borrower 2 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Provide Non-US Citizen Identification for Borrower 2. 1003 is marked as Permanent Resident Alien.<br> - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Borrower is a US Citizen - Seller-07/03/2025<br>| Resolved-Borrower is US Citizen, updated 1003 uploaded - Resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | HI | Primary Residence | Purchase | NA | 4506151 | N/A | N/A |
| XXXX | 2065268 |  |  | Closed | 2025-06-20 12:38 | 2025-06-26 11:31 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Asset Depletion calculator is missing in file, provided the same, Finding Resolved - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. - Seller-06/25/2025 <br>Open-Provide Asset Depletion calculator to verify income for Borrower 1. - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/25/2025<br>| Resolved-Asset Depletion calculator is missing in file, provided the same, Finding Resolved - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | HI | Primary Residence | Purchase | NA | 4508814 | N/A | N/A |
| XXXX | 2059639 |  |  | Closed | 2025-07-17 14:45 | 2025-07-18 14:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Gift funds may be used to pay the total down payment and closing costs on Primary Residence loans with a maximum LTV of v%. Borrower LTV XXXX% - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% - Due Diligence Vendor-07/18/2025 | XXXX |  | Residual income $XXXX required $XXXX<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> Credit has no lates | FL | Primary Residence | Purchase | NA | 4851308 | Originator Post-Close | Yes |
| XXXX | 2059639 |  |  | Closed | 2025-06-25 01:14 | 2025-07-18 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved- Provided property Report, Changes made in system, Finding Resolved - Due Diligence Vendor-06/27/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-06/26/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Proof of housing history is missing in file - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. see attached - Seller-06/26/2025<br>| Resolved- Provided property Report, Changes made in system, Finding Resolved - Due Diligence Vendor-06/27/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4550648 | N/A | N/A |
| XXXX | 2059639 |  |  | Closed | 2025-07-03 16:33 | 2025-07-17 14:44 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Gift document received. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Gift funds may be used to pay the total down payment and closing costs on Primary Residence loans with a maximum LTV of XXXX%. Borrower LTV XXXX% - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Gift document received. - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4653507 | N/A | N/A |
| XXXX | 2059639 |  |  | Closed | 2025-07-03 16:35 | 2025-07-17 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-Gift document received. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Borrower funds are insufficient to cover 6 months reserves. Gift funds not utilized. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Resolved-Gift document received. - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4653538 | N/A | N/A |
| XXXX | 2059639 |  |  | Closed | 2025-06-25 01:33 | 2025-07-03 16:31 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Documents received. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Counter-Proof of funds from the gift giver not attached. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-The borrower received 2 gifts according to letter on page 395,459. Please provide proof of transfer and receipt. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Documents received. - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4550734 | N/A | N/A |
| XXXX | 2065236 |  |  | Closed | 2025-06-25 19:29 | 2025-07-14 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received letter from borrower confirming spouse is not contributing income/deposits. Resolved - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/10/2025 <br>Counter-Received account access letter from spouse. This is a bank statement loan with a non-borrowing joint account holder. Still need statement from borrower confirming spouse is not contributing income/deposits. Countered - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2025 <br>Counter-Provide Relationship letter for joint personal account with a non-borrowing spouse or domestic partner. If not contributing income/deposits, it must be validated by a borrower affidavit. This program restriction is on page 31 of the SE bank statement program. Joint Accounts: A joint personal account with a non-borrowing spouse or domestic partner can be used for qualifying as follows: <br> o If not contributing income/deposits, it must be validated by a borrower affidavit. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. This is not required - Seller-06/26/2025 <br>Open-Provide Relationship letter for joint personal account with a non-borrowing spouse or domestic partner. If not contributing income/deposits, it must be validated by a borrower affidavit. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. This is not required - Seller-06/26/2025<br>| Resolved-Received letter from borrower confirming spouse is not contributing income/deposits. Resolved - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 4562002 | N/A | N/A |
| XXXX | 2065236 |  |  | Closed | 2025-06-25 17:24 | 2025-06-30 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/26/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/26/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 4559697 | N/A | N/A |
| XXXX | 2065253 |  |  | Closed | 2025-06-26 16:02 | 2025-07-02 14:48 | Resolved | 1 - Information B A | Compliance | Compliance | TRID LE date violation; revised Loan Estimate provided outside of required timing window. | Resolved-Received receipt of prior COC. Resolved - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. Please see attached and clear - Seller-07/01/2025 <br> Open-Provide LE dated XXXX to show the increase in discount points. We have the COC datedXXXX. - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Please see attached and clear - Seller-07/01/2025<br>| Resolved-Received receipt of prior COC. Resolved - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4572923 | N/A | N/A |
| XXXX | 2065253 |  |  | Closed | 2025-07-02 14:33 | 2025-07-02 14:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX); XXXX). - Due Diligence Vendor-07/02/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/02/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4629814 | N/A | N/A |
| XXXX | 2065253 |  |  | Closed | 2025-07-02 14:43 | 2025-07-02 14:44 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-07/02/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX) earlier than the Prior Closing Disclosure Date Issued XXXX. The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (XXXX; XXXX;XXXX; XXXX) . - Due Diligence Vendor-07/02/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/02/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4630026 | N/A | N/A |
| XXXX | 2065253 |  |  | Closed | 2025-06-23 06:24 | 2025-07-01 07:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Depletion Calculator Provided. - Due Diligence Vendor-07/01/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/30/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Income Calculator for Asset Depletion. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/30/2025<br>| Resolved-Asset Depletion Calculator Provided. - Due Diligence Vendor-07/01/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4523365 | N/A | N/A |
| XXXX | 2065240 |  |  | Closed | 2025-06-25 04:24 | 2025-07-03 10:19 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Final Policy with updated coverage amount provided hence resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide sufficient Title Coverage. The $XXXX,XXXX provided on Title is less than the Loan amount of $XXXX. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Requested Final Policy with updated coverage amount provided hence resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/03/2025 | XXXX |  |  | CO | Primary Residence | Purchase | NA | 4551276 | N/A | N/A |
| XXXX | 2065240 |  |  | Closed | 2025-06-30 15:24 | 2025-07-01 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/01/2025 <br>Ready for Review-Document Uploaded. - Seller-06/30/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-06/30/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 4602664 | N/A | N/A |
| XXXX | 2065240 |  |  | Closed | 2025-06-25 05:00 | 2025-07-01 06:44 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Fannie Mae with acceptable score provided. - Due Diligence Vendor-07/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. score is only XXXX - Seller-06/30/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary). CU score is missing from file. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. score is only 1.5 - Seller-06/30/2025<br>| Resolved-Fannie Mae with acceptable score provided. - Due Diligence Vendor-07/01/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 4551403 | N/A | N/A |
| XXXX | 2065258 |  |  | Closed | 2025-06-30 20:12 | 2025-07-08 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received Notarized Business Purpose Affidavit. Resolved - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Counter-Received signed copy of the Business Affidavit. Still need the Notarized copy. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide Notarized Business Purpose Affidavit. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Received Notarized Business Purpose Affidavit. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | KY | Investment | Purchase | NA | 4607710 | N/A | N/A |
| XXXX | 2065258 |  |  | Closed | 2025-06-30 18:13 | 2025-07-08 14:34 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Received Disaster inspection exterior report with photos. No property damage. Resolved - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Provide Post Disaster Inspection (XXXX) report for XXXX disaster XXXX declared XXXX. Appraisal completed before the declaration date on XXXX. PDI is required with exterior photos. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Received Disaster inspection exterior report with photos. No property damage. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | KY | Investment | Purchase | NA | 4605750 | N/A | N/A |
| XXXX | 2065251 |  |  | Closed | 2025-06-25 07:24 | 2025-07-02 09:38 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation document provided hence resolved. - Due Diligence Vendor-07/02/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Document Uploaded. - Seller-07/01/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Missing Secondary Valuation. CU score was not received in file. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/01/2025<br>| Resolved-Requested Secondary Valuation document provided hence resolved. - Due Diligence Vendor-07/02/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | UT | Investment | Purchase | NA | 4551775 | N/A | N/A |
| XXXX | 2065271 |  |  | Closed | 2025-06-26 08:10 | 2025-07-07 14:24 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Received 1008. Front end DTI matches. Back end is XXXX% lower than stated. All liabilities match final 1003. Resolved. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/03/2025 <br> Open-Provide final 1008. Discrepancy showing in all other payments and final back-end DTI. <br> - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/03/2025<br>| Resolved-Received 1008. Front end DTI matches. Back end is 2.9% lower than stated. All liabilities match final 1003. Resolved. - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 4566824 | N/A | N/A |
| XXXX | 2065271 |  |  | Closed | 2025-07-01 17:59 | 2025-07-07 14:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Received replacement cost estimator. Sufficient coverage. Resolved. - Due Diligence Vendor-07/07/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/03/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Provide sufficient Hazard Insurance Coverage to meet the loan amount or provide Replacement Cost Estimator used. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/03/2025<br>| Resolved-Received replacement cost estimator. Sufficient coverage. Resolved. - Due Diligence Vendor-07/07/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/07/2025 | XXXX |  |  | OR | Primary Residence | Purchase | NA | 4619650 | N/A | N/A |
| XXXX | 2065271 |  |  | Closed | 2025-07-01 18:03 | 2025-07-01 18:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided on p711:<br> - XXXX% LTV with a XXXX qualifying score<br> - Due Diligence Vendor-07/01/2025 |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% Exception Approval provided on p711:<br> - XXXX% LTV with a XXXX qualifying score<br> - Due Diligence Vendor-07/01/2025 |  |  | Compensating Factors:<br> - Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months.<br> - Borrower has worked in same industry from 6 years, 6 months. Borrower has worked in same industry more than 5 years.<br> - Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. | OR | Primary Residence | Purchase | NA | 4619691 | Originator Pre-Close | Yes |
| XXXX | 2065269 |  |  | Closed | 2025-06-27 10:32 | 2025-07-10 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received prior VOE datedXXXX. Also received updated VOE dated XXXX.Borrower is still actively employed. Resolved - Due Diligence Vendor-07/10/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Counter-Received VOE dated XXXX. VOE is not within 10 days of close. This VOE expired XXXX. Loan closed XXXX. Still need VOE completed within 10 calendar days of the closing date. Countered - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. - Seller-07/02/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide a Verbal Verification of Employment within XXXXcalendar days of the closing date. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Received prior VOE dated XXXX. Also received updated VOE dated XXXX.Borrower is still actively employed. Resolved - Due Diligence Vendor-07/10/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/10/2025 | XXXX |  |  | MO | Investment | Purchase | NA | 4582359 | N/A | N/A |
| XXXX | 2065269 |  |  | Closed | 2025-06-27 05:15 | 2025-07-10 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property report provided. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-07/10/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. XXXXComment "There is a HELOC on the property, but there is no balance or payment due" - Seller-07/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide property report to verify Borrower owns primary free and clear or provide VOM to verify 12 months Housing History. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. XXXXComment "There is a HELOC on the property, but there is no balance or payment due" - Seller-07/09/2025 | Resolved-Property report provided. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-07/10/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | MO | Investment | Purchase | NA | 4581189 | N/A | N/A |
| XXXX | 2065266 |  |  | Closed | 2025-07-03 18:57 | 2025-07-07 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Received Business XXXX. Resolved - Due Diligence Vendor-07/07/2025 | XXXX |  |  | HI | Investment | Purchase | NA | 4656147 | N/A | N/A |
| XXXX | 2065266 |  |  | Closed | 2025-07-03 12:55 | 2025-07-03 18:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Exception Approval provide p1069 for "XXXX has an excessive 10% Hurricane deductible. This risk is lowered since the HOA does carry a current reserve balance of $XXXX, which could help absorb repair costs in the event of total<br> loss claim", Recommends waiving.<br> - Due Diligence Vendor-07/03/2025 |  | Waived-Exception Approval provide pXXXXfor "Master Insurance has an excessive XXXX% Hurricane deductible. This risk is lowered since the HOA does carry a current reserve balance of $XXXXwhich could help absorb repair costs in the event of total<br> loss claim", Recommends waiving.<br> - Due Diligence Vendor-07/03/2025 |  |  | Compensating Factors:<br> 1. Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> 2. Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> 3. Job Stability, XXXX Years in same Employment. | HI | Investment | Purchase | NA | 4648644 | Originator Pre-Close | Yes |
| XXXX | 2065256 |  |  | Closed | 2025-07-03 16:08 | 2025-07-07 19:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception Approval provided p450: Borrower purchasing subject as investment property and does not have current housing history. Lives rent free with relative - spouse owns primary residence. Exception to proceed with purchasing investment property while rent free. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception Approval provided p450: Borrower purchasing subject as investment property and does not have current housing history. Lives rent free with relative - spouse owns primary residence. Exception to proceed with purchasing investment property while rent free. - Due Diligence Vendor-07/03/2025<br>|  |  | Compensating Factors:<br> 1. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> 2. DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 3. No Credit derogatory. | KY | Investment | Purchase | NA | 4653154 | Originator Pre-Close | Yes |
| XXXX | 2065256 |  |  | Closed | 2025-07-03 16:10 | 2025-07-07 19:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | Waived-Exception Approval provided p450: Project has outstanding critical repairs which consist of roof replacement and balcony railing repairs. These repairs required the HOA to enact a special assessment in the amount of $XXXX There are 2 roof replacements required, one has already taken place. The 2nd roof and balcony repairs will be underway soon; the HOA currently has bids out on repairs to several contractors. The special assessment is set to fully fund when final payment is due on XXXX. Considering half the repairs have already been completed and the work is set to commence this summer, we feel the risk is lowered. - Due Diligence Vendor-07/03/2025 |  | Waived-Exception Approval provided p450: Project has outstanding critical repairs which consist of roof replacement and balcony railing repairs. These repairs required the HOA to enact a special assessment in the amount of $XXXX. There are 2 roof replacements required, one has already taken place. The 2nd roof and balcony repairs will be underway soon; the XXXX currently has bids out on repairs to several contractors. The special assessment is set to fully fund when final payment is due on XXXX. Considering half the repairs have already been completed and the work is set to commence this summer, we feel the risk is lowered. - Due Diligence Vendor-07/03/2025 |  |  | Compensating Factors:<br> 1. Borrower(s) have XXXXmonths Reserves. Minimum required per guidelines is 6 months.<br> 2. DTI is XXXX%. Maximum allowed per guidelines is 50%.<br> 3. No derogatory credit. | KY | Investment | Purchase | NA | 4653194 | Originator Pre-Close | Yes |
| XXXX | 2065256 |  |  | Closed | 2025-07-03 15:15 | 2025-07-07 19:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of XXXX is less than Guideline FICO of XXXXException Approval provided p450 for "Credit score exception for Investment property. Borrower has a XXXXscore (although 1 high bureau score is a XXXX along with XXXXand XXXX) - Due Diligence Vendor-07/03/2025 |  | Waived-Audited FICO of XXXX is less than Guideline FICO of XXXX Exception Approval provided p450 for "Credit score exception for Investment property. Borrower has a XXXXscore (although 1 high bureau score is a XXXX, along withXXXX and XXXX) - Due Diligence Vendor-07/03/2025 |  |  | Compensating Factors:<br> 1. Borrower(s) have XXXXmonths Reserves. Minimum required per guidelines is 6 months.<br> 2. DTI is XXXX%. Maximum allowed per guidelines isXXXX%.<br> 3. No derogatory Credit . | KY | Investment | Purchase | NA | 4651621 | Originator Pre-Close | Yes |
| XXXX | 2065267 |  |  | Closed | 2025-07-07 11:18 | 2025-07-08 15:54 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approval p760 for:<br> 1. Master Insurance has an excessive 7% Hurricane deductible. This risk is lowered since the HOA does carry a current reserve balance of $XXXXand allocates 10% in reserves annually, which could help absorb repair costs in the event of total loss claim. 2. Project has a pending special assessment for shoreline seawall repairs. The Project is seeking a permit for the repairs to commence and once they do it will be 2.5 to3 months for the repair to be completed. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception Approval p760 for:<br> 1. Master Insurance has an excessive XXXX% Hurricane deductible. This risk is lowered since the XXXX does carry a current reserve balance of $XXXX and allocates 10% in reserves annually, which could help absorb repair costs in the event of total loss claim. 2. Project has a pending special assessment for shoreline seawall repairs. The Project is seeking a permit for the repairs to commence and once they do it will be 2.5 to3 months for the repair to be completed. - Due Diligence Vendor-07/07/2025 |  |  | Compensating Factors:<br> 1.LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2.Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 9 months.<br> 3.Borrower Housing History is 0X30, XXXX months. Housing History required per guidelines is 0X30, XXXX months. | HI | Investment | Refinance | Cash Out - Other | 4673745 | Originator Pre-Close | Yes |
| XXXX | 2065257 |  |  | Closed | 2025-07-07 07:50 | 2025-07-07 17:50 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approval provided p964.<br> from CONDO team: There are 3 active litigation cases against the HOA, all 3 claims were filed by unit owners. The claims involve the repairs and loss of use surrounding damage sustained from Hurricane XXXXin XXXX. The subject unit is not part of this litigation and all repairs to the damaged units have been made. The HOA approved a rule that unit owners could repair their units with the contractor of their choosing & be reimbursed. It is believed the HOA resolved their hurricane claims; however, the owners have not been reimbursed. The complaints including all repairs and loss of use claims total $XXXX. The HOA can easily absorb these claim amounts with their liability insurance, and they also voted in favor of a $XXXX Line of Credit over a 2nd option for special assessment. This line of credit can be used for capital improvement, repairs, ongoing or in the future, along with loss claims from hurricane or fire. The HOA demonstrates financial stability by allocating reserves, having access to a $XXXX Line of Credit, and they currently hold a reserve balance of $XXXX. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception Approval provided p964.<br> from XXXX team: There are 3 active litigation cases against the HOA, all 3 claims were filed by unit owners. The claims involve the repairs and loss of use surrounding damage sustained from Hurricane XXXXin XXXX. The subject unit is not part of this litigation and all repairs to the damaged units have been made. The HOA approved a rule that unit owners could repair their units with the contractor of their choosing & be reimbursed. It is believed the HOA resolved their hurricane claims; however, the owners have not been reimbursed. The complaints including all repairs and loss of use claims total $XXXX. The HOA can easily absorb these claim amounts with their liability insurance, and they also voted in favor of a $XXXX Line of Credit over a 2nd option for special assessment. This line of credit can be used for capital improvement, repairs, ongoing or in the future, along with loss claims from hurricane or fire. The HOA demonstrates financial stability by allocating reserves, having access to a $XXXX Line of Credit, and they currently hold a reserve balance of $XXXX. - Due Diligence Vendor-07/07/2025 |  |  | Compensating Factors:<br> 1.FICO higher than XXXX, AND at least 20 points higher than guideline minimum.<br> 2.Housing payment history is 0x30x24 or better.<br> 3.Monthly reserves is verified AND at least 4 months more than guideline minimum. | AL | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 4673127 | Originator Pre-Close | Yes |
| XXXX | 2065257 |  |  | Closed | 2025-07-07 07:47 | 2025-07-07 17:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approval provided p964.<br> 1.Project is a condotel locked in an XXXX program that does not allow XXXX. - Due Diligence Vendor-07/07/2025 |  | Waived-Loan does not conform to program guidelines Exception Approval provided p964.<br> 1.Project is a condotel locked in an XXXX program that does not allow condotels. - Due Diligence Vendor-07/07/2025 |  |  | Compensating Factors:<br> 1.FICO higher than XXXX, AND at least 20 points higher than guideline minimum.<br> 2.Housing payment history is 0x30x24 or better.<br> 3.Monthly reserves is verified XXXX at least 4 months more than guideline minimum | AL | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 4673123 | Originator Pre-Close | Yes |
| XXXX | 2065252 |  |  | Closed | 2025-07-07 06:28 | 2025-07-09 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. - Seller-07/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of Employment for Borrower 1 prior to closing. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. - Seller-07/08/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4672935 | N/A | N/A |
| XXXX | 2065252 |  |  | Closed | 2025-07-07 07:44 | 2025-07-08 17:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approval provided p378: To allow for the use of non-borrower funds from additional purchaserXXXX. Borrowers are purchasing a property with a business partner XXXX. The business partner will pay cash for their half of the property, now considered a true gift under agency interpretation. - Due Diligence Vendor-07/07/2025 |  | Waived-Loan does not conform to program guidelines Exception Approval provided p378: To allow for the use of non-borrower funds from additional purchaser XXXX. Borrowers are purchasing a property with a business partner XXXX The business partner will pay cash for their half of the property, now considered a true gift under agency interpretation. - Due Diligence Vendor-07/07/2025 |  |  | Compensating Factors:<br> 1. DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2. LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 3. Credit Score is XXXX. Minimum required per guidelines isXXXX. | FL | Investment | Purchase | NA | 4673116 | Originator Pre-Close | Yes |
| XXXX | 2065270 |  |  | Closed | 2025-07-07 12:37 | 2025-07-08 20:40 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception provided on p714: Project has outstanding critical repairs for the following: 1) Replacement of all sliding glass doors and windows, This is being done in 2 phases. Phase1 is compete. Phase 2 is set to begin XXXX) waterproofing of balconies is not completed as they are waiting for all sliders/windows to be installed to prevent damages3) The inspection advised retaining an engineer to undertake destructive testing of the wall structure adjacent to the sliding doors. The wall structure remains outstanding. 4) The reserve study identified the beach walk and stairs need to be replaced along with the clubhouse deck and stairs. These items are not completed. They are planned for later this year as approved by the Board of Directors. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception provided on p714: Project has outstanding critical repairs for the following: 1) Replacement of all sliding glass doors and windows, This is being done in 2 phases. Phase1 is compete. Phase 2 is set to begin XXXX) waterproofing of balconies is not completed as they are waiting for all sliders/windows to be installed to prevent damages3) The inspection advised retaining an engineer to undertake destructive testing of the wall structure adjacent to the sliding doors. The wall structure remains outstanding. 4) The reserve study identified the beach walk and stairs need to be replaced along with the clubhouse deck and stairs. These items are not completed. They are planned for later this year as approved by the Board of Directors. - Due Diligence Vendor-07/07/2025 |  |  | Compensating Factors:<br> 1. DTI is XXXX%. Maximum allowed per guidelines is 50%.<br> 2. Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> 3. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | FL | Second Home | Purchase | NA | 4674378 | Originator Pre-Close | Yes |
| XXXX | 2065237 |  |  | Closed | 2025-07-03 04:18 | 2025-07-11 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculator Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income worksheet. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Requested Income Calculator Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4646217 | N/A | N/A |
| XXXX | 2065237 |  |  | Closed | 2025-07-03 04:18 | 2025-07-11 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Requested WVOE Document showing 2 Years Income provided, Updated & Condition Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Borrower 1 WVOE Missing Provide WVOE supporting income used. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Requested WVOE Document showing 2 Years Income provided, Updated & Condition Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4646216 | N/A | N/A |
| XXXX | 2065237 |  |  | Closed | 2025-07-03 04:18 | 2025-07-11 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Requested W-2 Document provided, Updated & Condition Resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Borrower 1 W2/1099 Missing Provide W2 if a WVOE is not provided. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Requested W-2 Document provided, Updated & Condition Resolved. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4646215 | N/A | N/A |
| XXXX | 2065237 |  |  | Closed | 2025-07-03 04:18 | 2025-07-11 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Requested Paystub Document Provided, Updated & Resolved the Condition. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Borrower 1 Paystubs Missing Provide current Paystubs. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Requested Paystub Document Provided, Updated & Resolved the Condition. - Due Diligence Vendor-07/11/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4646214 | N/A | N/A |
| XXXX | 2065237 |  |  | Closed | 2025-07-03 04:18 | 2025-07-11 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Verbal Verification of Employment within 10 days of closing. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/03/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-07/07/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4646213 | N/A | N/A |
| XXXX | 2059633 |  |  | Closed | 2025-07-09 21:11 | 2025-07-16 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/15/2025 <br>Open-Title Document is missing 1. Missing vesting in both borrowers<br> 2. Missing sufficient coverage on title - Due Diligence Vendor-07/09/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-07/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4756673 | N/A | N/A |
| XXXX | 2059633 |  |  | Closed | 2025-07-03 08:18 | 2025-07-16 07:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd Provided, Changes made in system, Finding Resolved - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/15/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure from file and any applicable coc - Due Diligence Vendor-07/03/2025 |  | Resolved-Initial Cd Provided, Changes made in system, Finding Resolved - Due Diligence Vendor-07/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 4646920 | N/A | N/A |
| XXXX | 2065248 |  |  | Closed | 2025-07-03 14:56 | 2025-07-08 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/07/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/07/2025<br>| Resolved-Received Business Narrative. Resolved. - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 4651340 | N/A | N/A |
| XXXX | 2065248 |  |  | Closed | 2025-07-03 05:35 | 2025-07-08 10:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust provided. Resolved - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Please see attached - Seller-07/07/2025 <br>Open-The Deed of Trust is Missing Provide Deed of Trust. - Due Diligence Vendor-07/03/2025 | Ready for Review-Please see attached - Seller-07/07/2025<br>| Resolved-Deed of Trust provided. Resolved - Due Diligence Vendor-07/08/2025<br>|  |  |  | CA | Second Home | Purchase | NA | 4646398 | N/A | N/A |
| XXXX | 2065248 |  |  | Closed | 2025-07-03 07:22 | 2025-07-08 10:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider Provided. Resolved - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/07/2025 <br> Open-PUD Rider is Missing Provide PUD Rider. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/07/2025<br>| Resolved-PUD Rider Provided. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 4646742 | N/A | N/A |
| XXXX | 2065248 |  |  | Closed | 2025-07-03 05:35 | 2025-07-08 10:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Second Home Rider is Missing | Resolved-Second Home Rider provided. Resolved - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/07/2025 <br>Open-Second Home Rider is Missing Provide Second home rider. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/07/2025<br>| Resolved-Second Home Rider provided. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | CA | Second Home | Purchase | NA | 4646397 | N/A | N/A |
| XXXX | 2065249 |  |  | Closed | 2025-07-03 11:51 | 2025-07-15 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-07/15/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/14/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income calculator for Bank Statement income for Borrower 1. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/14/2025<br>| Resolved-Bank Statement Summary Lender Worksheet / Income Calculator provided. - Due Diligence Vendor-07/15/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4647960 | N/A | N/A |
| XXXX | 2065259 |  |  | Closed | 2025-07-07 07:24 | 2025-07-09 19:25 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Exception Approval provided p575: Master XXXX is not covered to replacement cost value. The insurance replacement cost valuation amount is for $XXXXbut the wind/hail coverage is only for $XXXX . The project demonstrates financial stability by allocating 10% of reserves annually. They currently hold a reserve balance of $XXXX. This exception was previously approved on XXXX XXXX. - Due Diligence Vendor-07/07/2025 |  | Waived-Exception Approval provided p575: XXXX Insurance is not covered to replacement cost value. The insurance replacement cost valuation amount is for $XXXX but the wind/hail coverage is only for $XXXX. . The project demonstrates financial stability by allocating XXXX% of reserves annually. They currently hold a reserve balance of $XXXX. This exception was previously approved on XXXX-XXXX. - Due Diligence Vendor-07/07/2025 |  |  | Compensating Factors:<br> 1. Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> 2. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> 3. DTI is XXXX%. Maximum allowed per guidelines is XXXX%. | AL | Investment | Purchase | NA | 4673065 | Originator Pre-Close | Yes |
| XXXX | 2065245 |  |  | Closed | 2025-07-03 09:22 | 2025-07-10 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Depletion Calculator provided. - Due Diligence Vendor-07/10/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/09/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Income Worksheet for Asset Depletion - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/09/2025<br>| Resolved-Asset Depletion Calculator provided. - Due Diligence Vendor-07/10/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 4647061 | N/A | N/A |
| XXXX | 2065272 |  |  | Closed | 2025-07-03 14:37 | 2025-07-11 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested Full Hazard Insurance XXXXProvided, Updated & Condition resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/10/2025 <br> Open-Hazard Insurance Policy Partially Provided Provide Hazard Insurance declaration page. Received hazard invoice. Provide hazard insurance coverage to support loan amount of $XXXXor provide Replacement Cost Estimator used. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/10/2025<br>| Resolved-Requested Full Hazard Insurance Policy &XXXX Provided, Updated & Condition resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/11/2025 | XXXX |  |  | TN | Primary Residence | Purchase | NA | 4650984 | N/A | N/A |
| XXXX | 2059627 |  |  | Closed | 2025-07-07 13:29 | 2025-07-17 06:42 | Resolved | 1 - Information C A | Credit | Income/Employment | VOE performed more than 10 days prior to closing | Resolved-VOE has no date , Asked for the same, Provided Updated VOE, changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br>Open-Provided VOE page #569 does not have date. Please update. - Due Diligence Vendor-07/07/2025 |  | Resolved-VOE has no date , Asked for the same, Provided Updated VOE, changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4675082 | N/A | N/A |
| XXXX | 2059627 |  |  | Closed | 2025-07-07 12:45 | 2025-07-17 06:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Per Titanium Matrix Audited Loan Amount of $XXXXis greater than or equal to the Guideline Minimum Loan Amount of $350000.<br> - Due Diligence Vendor-07/16/2025 <br> Resolved-Audited Loan Amount of $XXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/15/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/10/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/07/2025 |  | Resolved-Per Titanium Matrix Audited Loan Amount of $XXXXis greater than or equal to the Guideline Minimum Loan Amount of $XXXX.<br> - Due Diligence Vendor-07/16/2025 <br> Resolved-Audited Loan Amount of $XXXX is greater than or equal to the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4674459 | N/A | N/A |
| XXXX | 2059627 |  |  | Closed | 2025-07-07 13:30 | 2025-07-16 12:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-All of the funds in the #XXXXaccount came from XXXX.LOE provided. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. All of the funds in this account came from XXXX - SEE XXXX for these statements. - Buyer-07/15/2025 <br> Open-Asset 2 provided only one month and this is Purchase transaction. - Due Diligence Vendor-07/07/2025 |  | Resolved-All of the funds in the #XXXX account came from XXXX.LOE provided. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4675105 | N/A | N/A |
| XXXX | 2070878 |  |  | Closed | 2025-07-07 09:56 | 2025-07-22 14:24 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Finding resolved, assets received - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/21/2025 <br>Counter-Missing business bank statements verifying seasoning - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. Account is brand new and borrower sourced the funds as a business transaction that she then paid nto her personal account. - Buyer-07/17/2025 <br>Open-B1 Asset having one month bank statement required 2 months of bank statements for purchase transaction. - Due Diligence Vendor-07/07/2025 |  | Resolved-Finding resolved, assets received - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | MA | Investment | Purchase | NA | 4673377 | N/A | N/A |
| XXXX | 2070878 |  |  | Closed | 2025-07-07 04:06 | 2025-07-22 12:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Property is not a PUD hence PUD Rider is not required "The subject is not a PUD. The neighborhood is an association neighborhood with access to a deep-water dock, kayaking, playground, picnic area. Typical for the subjects market area." - Due Diligence Vendor-07/22/2025 <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-07/22/2025 <br>Ready for Review-The appraisal specifically states the property is not a PUD. See page one. - Buyer-07/21/2025 <br>Open-The Deed of Trust is Incomplete Property Type is Pud, required Pud rider to be marked in deed of trust document - Due Diligence Vendor-07/07/2025 |  | Resolved-Property is not a PUD hence PUD Rider is not required "The subject is not a PUD. The neighborhood is an association neighborhood with access to a deep-water XXXX, playground, picnic area. Typical for the subjects market area." - Due Diligence Vendor-07/22/2025 <br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-07/22/2025 |  |  |  | MA | Investment | Purchase | NA | 4672196 | N/A | N/A |
| XXXX | 2059634 |  |  | Closed | 2025-07-07 14:35 | 2025-07-23 14:02 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Waived-Exception made for no Visa being listed - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/21/2025 <br> Ready for Review-Document Uploaded. Borrower is in the XXXX under work authorization XXXX - Buyer-07/21/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Missing borrower visa from file - Due Diligence Vendor-07/07/2025 |  | Waived-Exception made for no Visa being listed - Due Diligence Vendor-07/23/2025<br>| XXXX |  | Self-employed in the same business for 15+ years.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br> Credit Score is XXXX. Minimum required per guidelines is XXXX. | CA | Primary Residence | Purchase | NA | 4684471 | Originator Post-Close | Yes |
| XXXX | 2059634 |  |  | Closed | 2025-07-07 13:49 | 2025-07-23 10:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage does not covers loan amount, provided Updated Title, Changes made in system, Finding Resolved - Due Diligence Vendor-07/23/2025 <br> Resolved-Title Coverage Amount of $XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/22/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-07/07/2025 |  | Resolved-Title coverage does not covers loan amount, provided Updated Title, Changes made in system, Finding Resolved - Due Diligence Vendor-07/23/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/23/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4675420 | N/A | N/A |
| XXXX | 2065239 |  |  | Closed | 2025-07-10 19:00 | 2025-07-14 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/11/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 4771095 | N/A | N/A |
| XXXX | 2065239 |  |  | Closed | 2025-07-07 11:01 | 2025-07-14 11:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated into system, Mavent Ran & Condition Resolved. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-07/11/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please see the attached. - Seller-07/11/2025<br>| Resolved-Requested Initial CD Provided, Updated into system, Mavent Ran & Condition Resolved. - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 4673660 | N/A | N/A |
| XXXX | 2065239 |  |  | Closed | 2025-07-07 08:07 | 2025-07-14 09:19 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Requested Replacement Cost Document provided with the coverage amount that is within the Dwelling Coverage amount hence resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXXis equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/11/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard Insurance coverage sufficient to cover the loan amount of $XXXX or provide Replacement Cost Estimator used. - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/11/2025<br>| Resolved-Requested Replacement Cost Document provided with the coverage amount that is within the Dwelling Coverage amount hence resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/14/2025 | XXXX |  |  | NC | Primary Residence | Purchase | NA | 4673155 | N/A | N/A |
| XXXX | 2065241 |  |  | Closed | 2025-07-10 15:49 | 2025-07-14 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received Asset Depletion Calculator. Resolved. - Due Diligence Vendor-07/14/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/11/2025 <br>Open-Provide Income Worksheet for Asset Depletion income used. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/11/2025<br>| Resolved-Received Asset Depletion Calculator. Resolved. - Due Diligence Vendor-07/14/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | 4766694 | N/A | N/A |
| XXXX | 2065241 |  |  | Closed | 2025-07-10 14:50 | 2025-07-10 14:50 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approval provided p250: Use of supplemental asset depletion of under a XXXX% portion, retirement average calculated but is only XXXX% of overall income total. - Due Diligence Vendor-07/10/2025 |  | Waived-Exception Approval provided p250: Use of supplemental asset depletion of under a XXXX% portion, retirement average calculated but is only XXXX% of overall income total. - Due Diligence Vendor-07/10/2025 |  |  | Originator Comp Factors:<br> 1. Borrower(s) have 6 months Reserves. Minimum required per guidelines is XXXX months.<br> 2. Borrower Housing History is 0X30, 21 months. Housing History required per guidelines is 0X30, 12 months.<br> 3. Job Stability XXXX Years on same job. | KY | Primary Residence | Purchase | NA | 4765045 | Originator Pre-Close | Yes |
| XXXX | 2065241 |  |  | Closed | 2025-07-07 11:05 | 2025-07-10 14:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Exception Approval provided p250: DTI at XXXX% currently - prior residence in XXXX Listed on XXXX16 days so far, ratio will be approximately XXXX% once sold off. - Due Diligence Vendor-07/07/2025 |  | Waived-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Exception Approval provided p250: DTI at XXXX% currently - prior residence in CO listed on XXXX days so far, ratio will be approximatelyXXXX% once sold off. - Due Diligence Vendor-07/07/2025 |  |  | Originator Comp Factors:<br> 1. Borrower(s) have 6 months Reserves. Minimum required per guidelines is XXXX months.<br> 2. Borrower Housing History is 0X30, 21 months. Housing History required per guidelines is 0X30, 12 months.<br> 3. Job StabilityXXXXYears on same job. | KY | Primary Residence | Purchase | NA | 4673676 | Originator Pre-Close | Yes |
| XXXX | 2065241 |  |  | Closed | 2025-07-07 11:04 | 2025-07-10 14:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).XXXX11)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 193 and the Final Closing disclosure on Pg#'s 64, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 62. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 330, and confirmation the appraisal was delivered to the borrower – see Pg#'s 113. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/07/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX%).XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(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 XXXX , some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 193 and the Final Closing disclosure on Pg#'s 64, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 62. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 330, and confirmation the appraisal was delivered to the borrower – see Pg#'s 113. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/07/2025 |  |  |  | KY | Primary Residence | Purchase | NA | 4673670 | N/A | N/A |
| XXXX | 2065262 |  |  | Closed | 2025-07-08 15:05 | 2025-07-11 03:10 | Waived | 2 - Non-Material B | Credit | Credit | DTI discrepancy or failure. | Waived-Exception Approval provided in file p434: Borrower co-signed auto lease agreement for his nephew for a XXXX XXXX. Nephew pays all lease payments so far. The lease payments this year cover 3 months but the exception is to not count the lease<br> amount with XXXX (debt ratio with this excluded is XXXX, if we include the lease payment DTI is XXXX). - Due Diligence Vendor-07/08/2025 |  | Waived-Exception Approval provided in file p434: Borrower co-signed auto lease agreement for his nephew for a XXXX. Nephew pays all lease payments so far. The lease payments this year cover 3 months but the exception is to not count the lease<br> amount with XXXX (debt ratio with this excluded is XXXX, if we include the lease payment DTI is XXXX). - Due Diligence Vendor-07/08/2025 |  |  | Originator Comp Factors:<br> LTV is XXXX. Maximum allowed per guidelines is XXXX.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | IN | Primary Residence | Purchase | NA | 4723941 | Originator Pre-Close | Yes |
| XXXX | 2065262 |  |  | Closed | 2025-07-08 15:07 | 2025-07-11 03:07 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approval provided in file XXXX : Borrower has not been with current employer 2 years for 1099 program. Borrower has been 1099 with XXXX since XXXX. We have his 1099 for 2024 and bank statements for 2025 covering XXXX to XXXX showing 6 months deposits for his income. - Due Diligence Vendor-07/08/2025 |  | Waived-Exception Approval provided in file p434: Borrower has not been with current employer 2 years for 1099 program. Borrower has been 1099 with XXXX since 01/01/2024. We have his 1099 for 2024 and bank statements for 2025 covering January 1, 2025 to June 23, 2025 showing 6 months deposits for his income. - Due Diligence Vendor-07/08/2025 |  |  | Originator Comp Factors:<br> LTV is XXXX. Maximum allowed per guidelines is XXXX.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | IN | Primary Residence | Purchase | NA | 4723969 | Originator Pre-Close | Yes |
| XXXX | 2066960 |  |  | Closed | 2025-07-14 18:04 | 2025-07-14 18:10 | Waived | 2 - Non-Material B | Credit | Credit | Property Type does not meet eligibility requirement(s) | Waived-Condotel is outside of eligibility criteria. Exception page 411. - Due Diligence Vendor-07/14/2025 |  | Waived-Condotel is outside of eligibility criteria. Exception page 411. - Due Diligence Vendor-07/14/2025<br>|  |  | Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 3 months.<br> Credit Score is XXXX. Minimum required XXXX<br> Borrower contribution is 100%. Borrower contribution required per guidelines is XXXX. | NJ | Investment | Purchase | NA | 4808733 | Originator Pre-Close | Yes |
| XXXX | 2066960 |  |  | Closed | 2025-07-14 17:59 | 2025-07-14 18:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 411. Investor concentration > XXXX. - Due Diligence Vendor-07/14/2025 |  | Waived-Loan does not conform to program guidelines Exception page 411. Investor concentration > XXXX. - Due Diligence Vendor-07/14/2025 |  |  | Borrower(s) have 20.47 months Reserves. Minimum required per guidelines is 3 months.<br> Credit Score is 793. Minimum required 680 | NJ | Investment | Purchase | NA | 4808636 | Originator Pre-Close | Yes |
| XXXX | 2059636 |  |  | Closed | 2025-07-14 18:29 | 2025-07-29 22:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received clarifying documentation, finding has been resolved and cleared. - Due Diligence Vendor-07/29/2025 <br> Resolved- - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX(3); XXXX)(4); XXXX(2)(v)). Initial loan estimate shows a discount point fee being listed, final closing disclosure shows a broker fee being listed, no change of circumstance in the file for the added broker fee. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Received clarifying documentation, finding has been resolved and cleared. - Due Diligence Vendor-07/29/2025<br>| changeofcircumstancesnew (6).pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 4809231 | N/A | N/A |
| XXXX | 2059636 |  |  | Closed | 2025-07-14 19:24 | 2025-07-17 16:10 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Income) | Waived-Exception made for missing declining income letter of explanation - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/16/2025 <br> Counter-Per guidelines section XXXX2nd paragraph a letter of explanation is required from the borrower for declining income - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. decline is > XXXX and not deemed significant - LOE not required. - Buyer-07/14/2025 <br> Open-Missing letter of explanation for decline in income - Due Diligence Vendor-07/14/2025 |  | Waived-Exception made for missing declining income letter of explanation - Due Diligence Vendor-07/17/2025<br>| decline 20.pdf<br>Exception Steltzer2.pdf |  | Residual Income is XXXX. Minimum Residual Income required per guidelines is XXXX. <br> Self-employed in same business for 10+ years<br> Credit Score is XXXX. Minimum required per guidelines is XXXX. | PA | Primary Residence | Refinance | Cash Out - Other | 4810305 | Originator Post-Close | Yes |
| XXXX | 2059636 |  |  | Closed | 2025-07-09 05:06 | 2025-07-15 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open-Audited LTV Exceeds Guideline LTV Rural property cash out Refinance transaction max LTV is XXXX. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>|  | Exception Steltzer.pdf |  | Residual Income is XXXX. Minimum Residual Income required per guidelines is XXXX. <br> Self-employed in same business for 10+ years | PA | Primary Residence | Refinance | Cash Out - Other | 4744008 | Originator Post-Close | Yes |
| XXXX | 2065265 |  |  | Closed | 2025-07-15 21:21 | 2025-08-08 20:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received Asset Depletion calculator. Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Asset Depletion Calc attached. - Seller-07/16/2025 <br>Open-Provide Asset Depletion calculator. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Asset Depletion Calc attached. - Seller-07/16/2025<br>| Resolved-Received Asset Depletion calculator. Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/17/2025<br>| BW-B2 Updated Asset Depletion Calculator.pdf |  |  | HI | Primary Residence | Purchase | NA | 4828230 | N/A | N/A |
| XXXX | 2065265 |  |  | Closed | 2025-07-12 02:26 | 2025-07-17 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested Condo Questionnaire Provided Hence resolved. - Due Diligence Vendor-07/17/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Please see the attached - Seller-07/16/2025 <br>Open-HOA Questionnaire is Missing or Partial. Provide Condo Questionnaire. - Due Diligence Vendor-07/12/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-07/16/2025<br>| Resolved-Requested Condo Questionnaire Provided Hence resolved. - Due Diligence Vendor-07/17/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-07/17/2025<br>| Condo Questionnaire.pdf |  |  | HI | Primary Residence | Purchase | NA | 4795156 | N/A | N/A |
| XXXX | 2065265 |  |  | Closed | 2025-07-12 04:58 | 2025-07-15 21:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception provided on page #XXXX made for Requesting exception for B1 credit report with just one FICO score - does not meet minimum requirement of two credit repository scores. - Due Diligence Vendor-07/12/2025 |  | Waived-Exception provided on page #1352 made for Requesting exception for B1 credit report with just one FICO score - does not meet minimum requirement of two credit repository scores. - Due Diligence Vendor-07/12/2025<br>|  |  | B2 (non-occupant borrower) is the primary wage earner and representative credit score is 769.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | HI | Primary Residence | Purchase | NA | 4795803 | Originator Pre-Close | Yes |
| XXXX | 2065265 |  |  | Closed | 2025-07-12 05:07 | 2025-07-15 21:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | Waived-Exception provided on page #XXXX for This Project's Master Insurance Policy has an excessive XXXX per unit deductible (over XXXX) for water damage, the borrower has obtained a loss of use/loss assessment coverage endorsement on their HO6 policy to offset this deductible. This type of coverage will absorb the cost of repair needed for this type of claim so it is not a financial burden to the borrower. 2.) The HOA is in the discovery stage of construction defect litigation. The defect identified involves 2 structural items (roof overhangs and window flashing). The subject unit is part of the litigation. The as-is appraisal for this unit has been provided. There are no concerns identified for the subject per this appraisal. The attorney letter provided states the repair amount will be substantial, an exact amount was not disclosed. Project demonstrates financial stability by allocating over 10% in reserves annually and they currently hold a reserve account balance of ,XXXX - Due Diligence Vendor-07/12/2025 |  | Waived-Exception provided on page #1352 for This Project's Master Insurance Policy has an excessive XXXX per unit deductible (over XXXX) for water damage, the borrower has obtained a loss of use/loss assessment coverage endorsement on their HO6 policy to offset this deductible. This type of coverage will absorb the cost of repair needed for this type of claim so it is not a financial burden to the borrower. 2.) The HOA is in the discovery stage of construction defect litigation. The defect identified involves 2 structural items (roof overhangs and window flashing). The subject unit is part of the litigation. The as-is appraisal for this unit has been provided. There are no concerns identified for the subject per this appraisal. The attorney letter provided states the repair amount will be substantial, an exact amount was not disclosed. Project demonstrates financial stability by allocating over 10% in reserves annually and they currently hold a reserve account balance of XXXX. - Due Diligence Vendor-07/12/2025 |  |  | B2 (non-occupant borrower) is the primary wage earner and representative credit score is 769.<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> DTI is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | HI | Primary Residence | Purchase | NA | 4795810 | Originator Pre-Close | Yes |
| XXXX | 2065240 |  |  | Closed | 2025-07-15 14:26 | 2025-07-16 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received 1008 with DTI ratios. Resolved. - Due Diligence Vendor-07/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/15/2025 <br>Open-1008 Document is Missing Provide 1008 to verify DTI. 1008 received shows 0. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/15/2025<br>| Resolved-Received 1008 with DTI ratios. Resolved. - Due Diligence Vendor-07/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/16/2025<br>| 1008 Transmittal Summary.pdf |  |  | CO | Investment | Refinance | Cash Out - Other | 4818822 | N/A | N/A |
| XXXX | 2065264 |  |  | Closed | 2025-07-15 20:12 | 2025-07-16 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-07/15/2025 <br>Open-Provide Business Narrative for Borrower 1. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/15/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-07/16/2025<br>| Business Narrative.pdf |  |  | KY | Primary Residence | Purchase | NA | 4827196 | N/A | N/A |
| XXXX | 2065264 |  |  | Closed | 2025-07-11 14:03 | 2025-07-15 19:30 | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Exception provided on page XXXX for Rate Sheet Pricing / Program: LTV or CLTV exceeds guideline requirements. - Due Diligence Vendor-07/11/2025 |  | Waived-Exception provided on page 539 for Rate Sheet Pricing / Program: LTV or CLTV exceeds guideline requirements. - Due Diligence Vendor-07/11/2025<br>|  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower Housing History is 0XXXXX months. Housing History required per guidelines is XXXX, 12 months.<br> Borrower has worked in same industry more than XXXX years | KY | Primary Residence | Purchase | NA | 4779973 | Originator Pre-Close | Yes |
| XXXX | 2065264 |  |  | Closed | 2025-07-11 13:47 | 2025-07-15 19:29 | Waived | 2 - Non-Material B | Credit | Credit | DTI unknown | Waived-Exception provided on XXXX for Rate Sheet Pricing / Program: DTI does not meet Rate Sheet / guideline / program requirements. - Due Diligence Vendor-07/11/2025 |  | Waived-Exception provided on p539 for Rate Sheet Pricing / Program: DTI does not meet Rate Sheet / guideline / program requirements. - Due Diligence Vendor-07/11/2025<br>|  |  | Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Borrower Housing History is XXXX, 24 months. Housing History required per guidelines is XXXX, 12 months.<br> Borrower has worked in same industry more than 17 years | KY | Primary Residence | Purchase | NA | 4779740 | Originator Pre-Close | Yes |
| XXXX | 2065255 |  |  | Closed | 2025-07-14 09:42 | 2025-07-18 04:55 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (FNMA) with acceptable score provided. - Due Diligence Vendor-07/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. UCDP did not upload correctly, please see attached. CU XXXX - Seller-07/17/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary valuation or additional Valuation (with acceptable variance to Primary). - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. UCDP did not upload correctly, please see attached. CU XXXX - Seller-07/17/2025 | Resolved-Secondary Valuation or Additional Valuation (FNMA) with acceptable score provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/18/2025<br>| SSR_FNM_13735516.pdf - 1.6.pdf |  |  | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 4800229 | N/A | N/A |
| XXXX | 2065255 |  |  | Closed | 2025-07-14 13:02 | 2025-07-17 03:04 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception provided on p538. Project has outstanding critical repairs for a roofing project. This roofing project will be completed by end of July. This Project demonstrates financial stability by allocating XXXX reserves annually, and they currently hold a reserve balance of XXXX. - Due Diligence Vendor-07/14/2025 |  | Waived-Exception provided on p538. Project has outstanding critical repairs for a roofing project. This roofing project will be completed by end of July. This Project demonstrates financial stability by allocating 10% reserves annually, and they currently hold a reserve balance of $1,715,621. - Due Diligence Vendor-07/14/2025<br>|  |  | Credit Score is XXXX . Minimum required per guidelines is XXXX.<br> Borrower has worked in same job more than 2 years.<br> Borrower Housing History is XXXX, 24 months. Housing History required per guidelines is XXXX, 12 months. | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 4802073 | Originator Pre-Close | Yes |
| XXXX | 2068710 |  |  | Closed | 2025-07-18 17:18 | 2025-07-25 15:56 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated approval certificate, 1003 and LOX received - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/24/2025 <br> Open-As per Gap report Ally Financial XXXX a/c paid So not considered into tradelines Getting DTI Variance which is >XXXX% Need supporting doc on same. - Due Diligence Vendor-07/18/2025 |  | Resolved-Updated approval certificate, 1003 and LOX received - Due Diligence Vendor-07/25/2025<br>| LOPrint-317.pdf<br>APPROVAL CERTIFICATE_-232.pdf<br>loe sold auto.pdf |  |  | CO | Primary Residence | Purchase | NA | 4871283 | N/A | N/A |
| XXXX | 2068710 |  |  | Closed | 2025-07-22 22:40 | 2025-07-25 15:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV > 75%<br> - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/24/2025 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 75% Gift funds may be used to pay the total down payment and closing costs on Primary Residence loans with a maximum LTV of 75%. - Due Diligence Vendor-07/22/2025 |  | Waived-LTV > XXXX<br> - Due Diligence Vendor-07/25/2025 | Exception Copley.pdf |  | Residual income XXXX required XXXX<br> XXXX 5+ years<br> No credit lates | CO | Primary Residence | Purchase | NA | 4912700 | Originator Post-Close | Yes |
| XXXX | 2068710 |  |  | Closed | 2025-07-18 17:05 | 2025-07-18 17:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX (a)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX(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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 541 and the Final Closing disclosure on Pg#'s 287 reflects escrows. Rate lock date was entered correctly – see Pg#'s 544 An interior and exterior appraisal was completed for this property – see pg 39-49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 575 and copy of the appraisal was given to the borrower – see Pg#'s 575 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 <br> Open- - Due Diligence Vendor-07/18/2025 |  | Resolved-The loan's (XXXX APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(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 XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 541 and the Final Closing disclosure on Pg#'s 287 reflects escrows. Rate lock date was entered correctly – see Pg#'s 544 An interior and exterior appraisal was completed for this property – see pg 39-49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 575 and copy of the appraisal was given to the borrower – see Pg#'s 575 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/18/2025 |  |  |  | CO | Primary Residence | Purchase | NA | 4871026 | N/A | N/A |
| XXXX | 2070869 |  |  | Closed | 2025-07-23 15:01 | 2025-07-24 23:09 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Confirmed borrower has owned property in the last 3 years. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/24/2025 <br> Open-Loan does not conform to program guidelines First time Investors may be permitted on an exception basis for 5-10 unit residential properties only with a XXXX. The borrower has a 20 month housing history. - Due Diligence Vendor-07/23/2025 |  | Resolved-Confirmed borrower has owned property in the last 3 years. - Due Diligence Vendor-07/24/2025<br>| mtg history vilimatis.pdf |  |  | MA | Investment | Purchase | NA | 4918237 | N/A | N/A |
| XXXX | 2064359 |  |  | Closed | 2025-07-23 18:02 | 2025-07-29 08:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 02/12/2025 on page#32 a clear fraud report is required. The fraud report in file pg#537 is showing a High alerts. The required cleared report is missing.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/28/2025<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-07/29/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025<br>| Cleared Alerts.pdf |  |  | CA | Primary Residence | Purchase | NA | 4922558 | N/A | N/A |
| XXXX | 2066994 |  |  | Closed | 2025-07-30 14:52 | 2025-08-14 19:05 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Waived-Exception approval available in these findings: <br> "This loan has funded. Exception is to use the June 2024 thru May 2025 bank statements. June 2025 bank statement came in after and Prudent was not reran using it. The borrowers went from ratios of 49.91% using XXXX thruXXXX bank statement VSXXXX using the July 2024 thru June 2025. Exception request is to use the June 2024 thru May 2025 bank statements." - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Exception Approval to use June 2024 thru May 2025 bank statements - Seller-08/14/2025 <br> Counter-Income calculation worksheet received to show the XXXX monthly income for B1, as well as a corrected 1003/1008 to show matching income. However, the months used to arrive at this income were June 2024 to May 2025. There is a newer June 2025 Bank Statement in file. The Audit conducted 12-months income calculations from the most recent 12 months of July 2024 to June 2025 and income was lower at XXXX. This lower income calculates a XXXX DTI, which is above XXXX. A Lender Exception will be needed to use the original June XXXX to May XXXX bank statements (as shown in the provided income calculation worksheet) to keep the XXXX income and XXXX DTI. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Updated income worksheet with 1008/1003 - Seller-08/05/2025 <br> Counter-The income worksheet for borrower 1 lists XXXX in income, but the qualifying income on the 1003/1008 was XXXX. The difference is a XXXX deposit on the XXXX bank statement (Chase #XXXX). If it's included, income totals XXXX; if it's excluded, it equals XXXX. Since the worksheet shows one calculation with it included and the 1003/1008 shows the income with it excluded, evidence is needed as to why it was either included or excluded and then need the income worksheet and the 1003/1008 to match. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Income Calculations - Seller-07/31/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Due to errors in the document upload, the Lender's Income Calculation Worksheets are not entirely legible. Please resubmit. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Exception Approval to use June 2024 thru May 2025 bank statements - Seller-08/14/2025 <br>Ready for Review-Document Uploaded. Updated income worksheet with 1008/1003 - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. Income Calculations - Seller-07/31/2025<br>| Waived-Exception approval available in these findings: <br> "This loan has funded. Exception is to use the June 2024 thru May 2025 bank statements. June 2025 bank statement came in after and Prudent was not reran using it. The borrowers went from ratios of XXXX% using XXXX thru XXXX bank statement VS XXXX% using the July 2024 thru June 2025. Exception request is to use the June 2024 thru May 2025 bank statements." - Due Diligence Vendor-08/14/2025 | Income Analyzer Worksheet.pdf<br>Income Analyzer Worksheet 1.pdf<br>Income Analyzer Worksheet - B1.pdf<br>1003.1008.pdf<br>Exception Approval.pdf |  | (1) Reserves of XXXX months exceeds the program guidelines of 3.0 months.<br> (2) Great Credit History.<br> (3) FICO score of XXXX exceeds the program minimum of XXXX by 17 points. | SC | Primary Residence | Purchase | NA | 4993292 | Originator Post-Close | Yes |
| XXXX | 2066994 |  |  | Closed | 2025-07-30 14:55 | 2025-08-05 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-08/05/2025 <br> Resolved-There is a lease agreement for XXXX base rent to "MAA." Provided are 13 months of bank statements showing payments of at least XXXX minimum to "XXXX" made on or just before the first of each month. Using 12-months as Housing History for the 12-month variable. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Rental Agreement with Payments - Seller-07/31/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. • Per the Final 1003, it's stated that the borrowers rent their current residence for XXXX per month. A VOR is missing from the file to validate timely payments. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Rental Agreement with Payments - Seller-07/31/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-08/05/2025 <br> Resolved-There is a lease agreement forXXXX base rent to "XXXX." Provided are 13 months of bank statements showing payments of at least XXXX minimum to "XXXX" made on or just before the first of each month. Using 12-months as Housing History for the 12-month variable. - Due Diligence Vendor-08/01/2025 | Rental Agreement.pdf<br>Rent Payments to MAA.pdf |  |  | SC | Primary Residence | Purchase | NA | 4993339 | N/A | N/A |
| XXXX | 2066994 |  |  | Closed | 2025-07-26 10:35 | 2025-08-01 08:25 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Conditional Loan Approval document provided. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Loan Approval - Seller-07/31/2025 <br>Open-• The Lender's Conditional Loan Approval document is missing in the file. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Loan Approval - Seller-07/31/2025<br>| Resolved-Conditional Loan Approval document provided. - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 4957013 | N/A | N/A |
| XXXX | 2066994 |  |  | Closed | 2025-07-26 07:39 | 2025-08-01 08:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 4 High alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 4956805 | N/A | N/A |
| XXXX | 2066995 |  |  | Closed | 2025-07-29 06:26 | 2025-08-13 20:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. SS for sale of property - Seller-08/12/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Per guideline matrix XXXX Super Kind program requires minimum 6 months of reserves, however there are no reserves on file. (Proceeds from sale funds of XXXX are mentioned in 1003 but no proof of doc available to use them). - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. SS for sale of property - Seller-08/12/2025<br>| Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-08/13/2025 | XXXX |  |  | GA | Primary Residence | Purchase | NA | 4975109 | N/A | N/A |
| XXXX | 2066995 |  |  | Closed | 2025-07-29 06:04 | 2025-08-13 20:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Updated asset page. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. SS for sale of property - Seller-08/12/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of document for Proceeds from Sale funds of XXXX as it is not in file. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. SS for sale of property - Seller-08/12/2025<br>| Resolved-Updated asset page. - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4975063 | N/A | N/A |
| XXXX | 2066995 |  |  | Closed | 2025-07-29 05:55 | 2025-08-01 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4975026 | N/A | N/A |
| XXXX | 2066995 |  |  | Closed | 2025-07-29 05:52 | 2025-08-01 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-08/01/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-07/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as the one on file is not for our borrower. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-07/31/2025<br>| Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-08/01/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4975017 | N/A | N/A |
| XXXX | 2064376 |  |  | Closed | 2025-07-29 04:15 | 2025-08-01 18:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/01/2025 <br> Resolved-Updated insurance received showing a period ofXXXX to XXXX. However, this document now showing a total premium of $XXXX. The prior insurance document showed only XXXX, which is what the loan qualified under & was escrowed for. The difference will be made up during Escrow Analysis. Issue resolved. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Updated Insurance - Seller-08/01/2025 <br> Open-Hazard Insurance Policy Partially Provided • The Hazard Insurance document shows an illogical term of XXXX to XXXX (same day). - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Updated Insurance - Seller-08/01/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/01/2025 <br> Resolved-Updated insurance received showing a period of XXXX to XXXX However, this document now showing a total premium of XXXX. The prior insurance document showed only XXXX, which is what the loan qualified under & was escrowed for. The difference will be made up during Escrow Analysis. Issue resolved. - Due Diligence Vendor-08/01/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4974781 | N/A | N/A |
| XXXX | 2064376 |  |  | Closed | 2025-07-29 04:25 | 2025-08-01 18:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4974801 | N/A | N/A |
| XXXX | 2064376 |  |  | Closed | 2025-07-29 04:09 | 2025-07-31 11:06 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Second valuation is missing, provided freddie mac/LCA, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-07/30/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-07/30/2025<br>| Resolved-Second valuation is missing, provided freddie mac/LCA, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4974775 | N/A | N/A |
| XXXX | 2064366 |  |  | Closed | 2025-07-28 12:10 | 2025-08-11 17:52 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent-Free letter received. Housing History Meets Guideline Requirements. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. LOE - Seller-08/11/2025 <br>Counter-The LOE uploaded does not address a Housing issue. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. LOE - Seller-08/07/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Per an LOE , borrower is living rent-free at the current primary residence. However the LOE should be from the property owner, not the borrower.<br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. LOE - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. LOE - Seller-08/07/2025<br>| Resolved-Rent-Free letter received. XXXX Requirements. - Due Diligence Vendor-08/11/2025 | XXXX |  |  | MN | Primary Residence | Purchase | NA | 4961429 | N/A | N/A |
| XXXX | 2066996 |  |  | Closed | 2025-07-28 14:28 | 2025-08-19 13:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-24 months prior mortgage history required, only XXXX in file. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Exception Approval mtg history-short XXXX months - Seller-08/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Loan Program is SuperKind NonQM XXXXr, As per the Matrix Version XXXX borrower is required to have a XXXXmonth housing history. The file contains a Credit Report on page#XXXXwith a Mortgage " United Whsle Mort #XXXX" showing as XXXXmonths.<br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Exception Approval mtg history-short XXXX months - Seller-08/18/2025 | Waived-XXXXmonths prior mortgage history required, only XXXXin file. - Due Diligence Vendor-08/19/2025 | XXXX |  | Low DTI XXXX% or more less then program max) XXXX%, XXXXmonths of reserves, only XXXX months required. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4963320 | Originator Post-Close | Yes |
| XXXX | 2066996 |  |  | Closed | 2025-07-28 13:58 | 2025-08-11 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Attached is the license showing the business is good standing. A XXXXis not required on Alt doc (Bank statement) loans. - Seller-08/08/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. As per the GL Version XXXX on page#XXXXwe required VOE dated no more than XXXXcalendar days prior to Note date. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Attached is the license showing the business is good standing. A VVOE is not required on Alt doc (Bank statement) loans. - Seller-08/08/2025<br>| Resolved-Borrower 1 XXXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/11/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4962727 | N/A | N/A |
| XXXX | 2066996 |  |  | Closed | 2025-07-28 14:34 | 2025-08-01 09:22 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXX) document provided. - Due Diligence Vendor-08/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. XXXX- Seller-07/31/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXXPer the Guideline version XXXX on page#XXXX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXor XXXX/XXXXreport with a score less than XXXX, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. XXXX- Seller-07/31/2025 | Resolved-Secondary Valuation or Additional Valuation (XXXX) document provided. - Due Diligence Vendor-08/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/01/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4963544 | N/A | N/A |
| XXXX | 2064378 |  |  | Closed | 2025-07-29 06:46 | 2025-08-01 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/01/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl version XXXX page XXXX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/31/2025<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4975160 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-07-29 11:47 | 2025-08-08 17:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower XXXX Paystubs Less Than 1 Month Provided Condition Resolved with the receipt of an additional paystub. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Paystub - Seller-08/08/2025 <br> Open-Borrower XXXX Paystubs Less Than 1 Month Provided • Per guidelines XXXX for Waged/Salary income: "The borrower's most recent paystubs reflecting XXXXdays of pay and YTD earnings..."<br>There is only 1 bi-weekly paystub on file covering XXXXdays for Borrower #XXXX. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Paystub - Seller-08/08/2025<br>| Resolved-Borrower XXXX Paystubs Less Than XXXX Month Provided Condition Resolved with the receipt of an additional XXXX. - Due Diligence Vendor-08/08/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4976105 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-07-29 12:12 | 2025-08-05 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XXXXMonths Rent payments uploaded to verify the primary housing history, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. VOR - Seller-08/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements • Borrower XXXX & Borrower XXXX are currently renting their primary residence for $XXXX/month. A VOR to verify is missing from the file. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. VOR - Seller-08/04/2025<br>| Resolved-XXXX Rent payments uploaded to verify the primary housing history, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/05/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4976282 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-07-29 12:12 | 2025-08-05 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-XXXXMonths Rent payments uploaded to verify the primary housing history, Verified - Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. VOR - Seller-08/04/2025 <br> Open-VOR/VOM Doc Status should not be 'XXXX'. • Borrower XXXX & Borrower XXXX are currently renting their primary residence for $XXXX/month. A VOR to verify is missing from the file. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. VOR - Seller-08/04/2025<br>| Resolved-XXXX Rent payments uploaded to verify the primary housing history, Verified - Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-08/05/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4976284 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-07-29 12:55 | 2025-08-05 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/04/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4976658 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-07-29 13:52 | 2025-08-05 11:17 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD Receipt of $XXXXuploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. EMD Receipt - Seller-08/04/2025 <br> Open-• Evidence of receipt of the $XXXXEMD is missing from the file.<br> - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. EMD Receipt - Seller-08/04/2025<br>| Resolved-XXXXReceipt of $XXXXuploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4977458 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-07-29 13:45 | 2025-08-01 09:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure provided. Updated & resolved. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Initial CD XXXX - Seller-07/31/2025 <br> Open-TRID: Missing Closing Disclosure • The Initial CD is missing from the file. The only CDs provided were the Final CD dated XXXX and a PCCD dated XXXX. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Initial CDXXXX- Seller-07/31/2025 | Resolved-Initial Closing Disclosure provided. Updated & resolved. - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4977355 | N/A | N/A |
| XXXX | 2064370 |  |  | Closed | 2025-08-01 09:52 | 2025-08-01 09:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-08/01/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "XXXXcredits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(XXXX)(XXXX; XXXX(XXXX)(XXXX)). - Due Diligence Vendor-08/01/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/01/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5018874 | N/A | N/A |
| XXXX | 2068707 |  |  | Closed | 2025-07-28 07:08 | 2025-08-25 15:50 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-PCCD received, lender refund to borrower. - Due Diligence Vendor-08/25/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX XXXX. Appraisal fee increased in Initial CD, however there is no COC for same. - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 |  | Cured-PCCD received, lender refund to borrower. - Due Diligence Vendor-08/25/2025 <br>Resolved-Resolved - Due Diligence Vendor-08/25/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 4960425 | N/A | N/A |
| XXXX | 2068707 |  |  | Closed | 2025-07-28 05:28 | 2025-08-01 16:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX<br> Open-The Initial 1003 is Missing LO Signature is missing in provided Initial 1003. - Due Diligence Vendor-07/28/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 4960239 | N/A | N/A |
| XXXX | 2064371 |  |  | Closed | 2025-07-30 12:29 | 2025-08-06 11:40 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan XXXXAdvisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. XXXX- Seller-08/05/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXXPer the Guideline version XXXX on page#XXXX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXorXXXX report with a score less than XXXX, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. XXXX- Seller-08/05/2025 | Resolved-Loan XXXXAdvisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 | XXXX |  |  | SD | Primary Residence | Purchase | NA | 4991020 | N/A | N/A |
| XXXX | 2066997 |  |  | Closed | 2025-07-30 07:57 | 2025-08-19 18:49 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements. Payment withdrawals verified for at least XXXXpast months. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see the XXXX bank statements in file.<br> The borrowers rent was being paid via Dep Accoun Web Pmts.<br> Attached is what is verified per statements in file<br> - Seller-08/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . - Due Diligence Vendor-08/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements • Per the Final XXXX, the borrower currently rents the primary residence for $XXXXper month. There is a lease in file for the same property, but beginning on a future date of XXXX - XXXX. The currently-active lease is missing, as is the VOR verifying timely payments. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Please see the XXXX bank statements in file.<br> The borrowers rent was being paid via XXXX.<br> Attached is what is verified per statements in file<br> - Seller-08/19/2025 | Resolved-Housing History Meets Guideline Requirements. Payment withdrawals verified for at least XXXXpast months. - Due Diligence Vendor-08/19/2025 | XXXX |  |  | MD | Primary Residence | Purchase | NA | 4989782 | N/A | N/A |
| XXXX | 2066997 |  |  | Closed | 2025-07-30 07:57 | 2025-08-19 18:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/19/2025 <br> Resolved-Borrower 1 Gap Credit Report provided. No new debt. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing from the file. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/11/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/19/2025 <br>Resolved-Borrower 1 Gap Credit Report provided. No new debt. - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 4989783 | N/A | N/A |
| XXXX | 2064360 |  |  | Closed | 2025-08-01 15:53 | 2025-08-06 12:06 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1008 received. Lender's new DTI of XXXX% is within tolerance of the audit's XXXX% (XXXX% difference). Issue resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Updated 1008 (also already submitted yesterday under separate condition) - Seller-08/05/2025 <br> Counter-Corrected 1003 received. Still missing a corrected 1008 with the new DTI with these changes. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Updated XXXX- Seller-08/04/2025 <br> Open-DTI discrepancy due to the calculation of the XXXX other REO properties. The amounts stated on the Final 1003 in XXXXdo not match the information provided in documentation. This alters the DTI:<br>• XXXX: Per the information on page #XXXX, XXXX of the initial Upload: ($XXXX / XXXX= $XXXX) + HOA ($XXXX/ XXXX= $XXXX) = TOTAL EXPENSE = $XXXX.<br> • SW XXXXAVE: Per the information on page #XXXX, XXXX, & XXXXof the initial Upload: Taxes ($XXXX/ XXXX= $XXXX) + Insurance = ($XXXX/ XXXX= $XXXX) = TOTAL EXPENSE = $XXXX.<br> • SW XXXX& SW 164: Per the information on page #XXXXof the initial Upload: ($XXXX/ XXXX= $XXXX) = TOTAL EXPENSE = $XXXX.<br> •XXXX RD: Per the information on page #XXXX, XXXXof the initial Upload: ($XXXX/ XXXX= XXXX) = TOTAL EXPENSE = $XXXX. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Updated 1008 (also already submitted yesterday under separate condition) - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. Updated 1003 - Seller-08/04/2025<br>| Resolved-Corrected 1008 received. Lender's new DTI of XXXX% is within tolerance of the audit's XXXX% (XXXX% difference). Issue resolved. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 5024758 | N/A | N/A |
| XXXX | 2064360 |  |  | Closed | 2025-07-29 09:02 | 2025-08-05 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The XXXX Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/04/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-08/05/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4975443 | N/A | N/A |
| XXXX | 2064360 |  |  | Closed | 2025-07-29 07:56 | 2025-08-05 10:53 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Updated XXXX- Seller-08/04/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines: "XXXX: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." Only B1 has income, hence XXXXFICO score should be used. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/04/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/05/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 4975320 | N/A | N/A |
| XXXX | 2064360 |  |  | Closed | 2025-07-29 07:29 | 2025-08-01 18:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-The acknowledgment & the Rider was provided. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Inter Vivos Acknowledgment & Rider - Seller-08/01/2025 <br> Open-• The Inter Vivos Revocable Trust Acknowledgment & Inter Vivos Revocable Trust Rider are marked on the Mortgage document as being attached, but they were not provided in the loan file.<br>- Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Inter Vivos Acknowledgment & Rider - Seller-08/01/2025<br>| Resolved-The acknowledgment & the Rider was provided. - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4975246 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-04 09:40 | 2025-09-03 04:49 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-resolved via testing - Due Diligence Vendor-09/03/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a Federal High-Cost Mortgage loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-This is a Federal High Cost Loan. Since the loan file does not contain a XXXX Sign Date, the System assumes the creditor did not furnish the Federal High Cost XXXX disclosures at least XXXX business days prior to consummation, in violation of XXXX - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a XXXX-XXXXXXXXloan on our end. <br> It appears that the investor is not excluding the XXXX Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack - Seller-08/04/2025 | Resolved-resolved via testing - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5036549 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-04 09:40 | 2025-09-03 04:49 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-resolved via compliance testing - Due Diligence Vendor-09/03/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). he loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a Federal High-Cost Mortgage loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a XXXX loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack - Seller-08/04/2025 | Resolved-resolved via compliance testing - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5036547 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-04 09:40 | 2025-09-03 04:49 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-resolved - Due Diligence Vendor-09/03/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a Federal High-Cost Mortgage loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack<br> - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-You submitted a late fee amount of ($XXXX) and a (XXXX%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXXX% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XXXX - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a Federal High-Cost Mortgage loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack<br> - Seller-08/04/2025 | Resolved-resolved - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5036548 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-04 09:40 | 2025-09-03 04:48 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-resolved via testing - Due Diligence Vendor-09/03/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) (Note Amount >=$XXXX) fee limit, which is XXXX% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (XXXX). - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) (Note Amount >=$XXXX) fee limit, which is XXXX% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (XXXX). - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a Federal High-Cost Mortgage loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) (Note Amount >=$XXXX) fee limit, which is XXXX% of the Total Loan Amount ($XXXX), the difference is ($XXXX). XXXX). - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) (Note Amount >=$XXXX) fee limit, which is XXXX% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (XXXX). - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) (Note Amount >=$XXXX) fee limit, which is XXXX% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (XXXX). - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Compliance Response: We have a CE pass, and this loan is not a XXXX loan on our end. <br> It appears that the investor is not excluding the Bona fide Discount Points of $XXXX. <br> Please see the rate lock info and attached rate stack - Seller-08/04/2025 | Resolved-resolved via testing - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 5036550 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-04 10:18 | 2025-08-07 17:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Fees updated appropriately. Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved- - Due Diligence Vendor-08/07/2025 <br> Ready for Review-The Non-QM Funding Fee and 3rd Party Processing fee is incorrect since both these fees are listed on the Initial LE disclosure package. - Seller-08/06/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Counter-Fees changed not listed on any CoCs in file. Specifically XXXXE, XXXX. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: XXXX, 3XXXX Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Resolved- - Due Diligence Vendor-08/04/2025 <br> Resolved- - Due Diligence Vendor-08/04/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: XXXX, 3RD PARTY PROCESSING FEE. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX). - Due Diligence Vendor-08/04/2025 | Ready for Review-The XXXX and 3rd Party Processing fee is incorrect since both these fees are listed on the Initial LE disclosure package. - Seller-08/06/2025 | Resolved-Fees updated appropriately. Resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved- - Due Diligence Vendor-08/04/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 5036683 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-07 17:04 | 2025-08-07 17:08 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-updated paid to. Resolved. - Due Diligence Vendor-08/07/2025 <br> Open-There are ($XXXX) of fees paid to the lender disclosed under Loan Estimate Section B "XXXXr" or Closing Disclosure XXXX "Services Borrower Did Not Shop For". Under XXXX, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XXXX) - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 |  | Resolved-updated paid to. Resolved. - Due Diligence Vendor-08/07/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 5096034 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-05 12:50 | 2025-08-05 13:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Fees updated, issue resolved. - Due Diligence Vendor-08/05/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Open-The total amount of the XXXX% category fees on the last Closing Disclosure ($XXXX) has increased by more than XXXX% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XXXX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XXXX). - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 |  | Resolved-Fees updated, issue resolved. - Due Diligence Vendor-08/05/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 5055450 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-07-30 04:39 | 2025-08-05 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl version XXXX page XXXX, need to clear all alerts on fraud report but fraud report shows uncleared alerts and Loansafe connect doc is missing.<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/04/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 4989236 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-08-04 10:18 | 2025-08-04 10:21 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-08/04/2025 <br> Resolved- - Due Diligence Vendor-08/04/2025 <br> Open-There are ($XXXX) of fees paid to a third-party provider disclosed under Section A "Origination Charges". Under XXXX, charges included under the subheading "XXXX" on the Loan Estimate and Closing Disclosure are those charges paid to the creditor and the mortgage broker (if applicable) for originating and extending the credit. (XXXX) - Due Diligence Vendor-08/04/2025 |  | Resolved- - Due Diligence Vendor-08/04/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 5036682 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-07-30 05:25 | 2025-08-04 09:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Initial CD XXXX- Seller-08/01/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in the and it should be at least XXXX day prior to note date. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Initial CD XXXX- Seller-08/01/2025 | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 4989470 | N/A | N/A |
| XXXX | 2064365 |  |  | Closed | 2025-07-30 04:25 | 2025-08-04 09:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided.<br> - Due Diligence Vendor-08/04/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. XXXXSSR - Seller-08/01/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXXAs per GL version XXXX page XXXX, Secondary Valuation or Additional Valuation report is required, which is missing in the file<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. XXXX- Seller-08/01/2025 | Resolved-Secondary Valuation or Additional Valuation (XXXX) Provided.<br> - Due Diligence Vendor-08/04/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 | XXXX |  |  | CO | Primary Residence | Purchase | NA | 4989097 | N/A | N/A |
| XXXX | 2066998 |  |  | Closed | 2025-07-31 06:05 | 2025-08-13 12:16 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated asset page - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. The XXXXis the funds back to the borrower AFTER the $XXXXwas sent to Amerititle, which matches the 1003 & FSS attached (showing $XXXXtotal). <br> XXXX of it went to Amerititle and the remainder went back to borrower. - Seller-08/12/2025 <br> Counter-The one's attached does not reflect what the UW is stating it shows XXXXreason asked for the wire confirmation of the proceeds. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. The Final CD from the sale shows funds sent to Amerititle for $XXXX. Which matches the Final SS from escrow - Seller-08/07/2025 <br> Counter-Need the wire confirmation - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Sale of Property - Seller-08/05/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XXXXas per the final 1003 proof of document is missing in file, please provide. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. The XXXXis the funds back to the borrower AFTER the $XXXXwas sent to XXXX, which matches the XXXX& FSS attached (showing $XXXXtotal). <br> $XXXXof it went to Amerititle and the remainder went back to borrower. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. The Final CD from the sale shows funds sent to Amerititle for $XXXX. Which matches the Final SS from escrow - Seller-08/07/2025 <br> Ready for Review-Document Uploaded. Sale of Property - Seller-08/05/2025 | Resolved-Updated asset page - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 5003248 | N/A | N/A |
| XXXX | 2066998 |  |  | Closed | 2025-07-31 07:25 | 2025-08-07 14:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-08/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Recording Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX). Title fees (1. Recording Release Service Fee) is paid to a provider that's not on providers list, but the fee is still in XXXX move the Fee (. Recording Release Service Fee) to XXXXC. - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. PCCD - Seller-08/05/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 5003498 | N/A | N/A |
| XXXX | 2066998 |  |  | Closed | 2025-07-31 05:16 | 2025-08-06 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Utilization Income Calculation sheet provided. Resolved - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Income Calc – Asset Analyzer - Seller-08/05/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Asset Utilization Income Calculation sheet, - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Income Calc – Asset Analyzer - Seller-08/05/2025<br>| Resolved-Asset Utilization Income Calculation sheet provided. Resolved - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 5002994 | N/A | N/A |
| XXXX | 2066998 |  |  | Closed | 2025-08-04 16:53 | 2025-08-06 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower XXXX Personal Bank Statements Provided - Due Diligence Vendor-08/06/2025 <br> Open-Only have one statement for XXXX and guideline requires XXXXmonths only have XXXX-XXXXin file. - Due Diligence Vendor-08/04/2025 |  | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-08/06/2025<br>|  |  |  | OR | Primary Residence | Purchase | NA | 5043884 | N/A | N/A |
| XXXX | 2066998 |  |  | Closed | 2025-07-31 06:11 | 2025-08-06 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/05/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the XXXX on page#XXXXa clear fraud report is required. The fraud report in file pg#XXXXis showing a High alert. The required cleared report is XXXX.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/05/2025<br>| Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 5003267 | N/A | N/A |
| XXXX | 2066998 |  |  | Closed | 2025-07-31 05:46 | 2025-08-05 11:29 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than XXXXprovided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. XXXXSSR - Seller-08/04/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XXXXScore, if present, is greater than XXXXPer the Guideline version XXXXon page#XXXX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXor XXXX report with a score less than XXXX, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/04/2025 | Resolved-Loan Collateral Advisor with CU score less than XXXXprovided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/05/2025 | XXXX |  |  | OR | Primary Residence | Purchase | NA | 5003164 | N/A | N/A |
| XXXX | 2064362 |  |  | Closed | 2025-07-31 13:58 | 2025-08-11 12:21 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than XXXXdays from Closing/Settlement Date). As per the GL Version XXXX on page#XXXXwe required Gap credit report within XXXX days prior to closing date with Tradelines. in file we have Gap report available on page#XXXXshowing as XXXX business days prior to closing date.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/08/2025<br>| Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-08/11/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5006120 | N/A | N/A |
| XXXX | 2064362 |  |  | Closed | 2025-07-31 13:35 | 2025-08-07 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE dated no more than 10 calendar days prior to Note date uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. VVOE - Seller-08/06/2025 <br> Open-Borrower 1 3rd Party XXXXPrior to Close Missing. As per the XXXX XX/XX/XXXX on page#XXXXwe required VOE dated no more than XXXXcalendar days prior to Note date.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. VVOE - Seller-08/06/2025<br>| Resolved-Borrower 1 3rd Party VOE dated no more than XXXXcalendar days prior to Note date uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/07/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5005745 | N/A | N/A |
| XXXX | 2064369 |  |  | Closed | 2025-08-04 16:27 | 2025-08-05 13:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-received title with correct coverage - Due Diligence Vendor-08/05/2025 <br> Resolved-Title Coverage Amount of $XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-08/04/2025 <br> Open-Title Coverage Amount of $XXXXis Less than Loan Amount - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-08/04/2025<br>| Resolved-received title with correct coverage - Due Diligence Vendor-08/05/2025 <br> Resolved-Title Coverage Amount of $XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/05/2025 | XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5043363 | N/A | N/A |
| XXXX | 2064369 |  |  | Closed | 2025-07-31 08:17 | 2025-08-04 15:53 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per guidelines XXXX page XXXX- "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B1 has $XXXXincome, and B2 has $XXXXincome. Thus, with B2 having higher income, B2's FICO score of XXXXshould be used for qualification.<br> - Due Diligence Vendor-07/31/2025 |  | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per guidelinesXXXX page XXXX- "Standard and Alt Documentation: The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score." B1 has $XXXXincome, and B2 has $XXXXincome. Thus, with B2 having higher income, XXXX's FICO score of XXXXshould be used for qualification.<br> - Due Diligence Vendor-07/31/2025 |  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5003627 | N/A | N/A |
| XXXX | 2066999 |  |  | Closed | 2025-07-31 13:33 | 2025-08-13 12:46 | Waived | 2 - Non-Material B | Property | Property | Flip or Rapid Resale of Property | Waived-Property is a flip and falls under NAL guides - Due Diligence Vendor-07/31/2025 |  | Waived-Property is a flip and falls under NAL guides - Due Diligence Vendor-07/31/2025<br>|  |  | Borrower(s) have XXXXmonths Reserves. Minimum required per guidelines is XXXX months.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. <br>| VA | Primary Residence | Purchase | NA | 5005698 | Originator Pre-Close | Yes |
| XXXX | 2066999 |  |  | Closed | 2025-08-04 19:19 | 2025-08-13 12:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of XXXX% exceeds Guideline LTV of 80% UW Exception , page XXXXfor LTV > XXXX% on Non-Arms Length Transaction/Flip Transaction. - Due Diligence Vendor-08/13/2025 |  | Waived-Audited LTV of XXXX% exceeds Guideline LTV of XXXX% UW Exception , page XXXXfor LTV > XXXX% on Non-Arms Length XXXX/XXXXTransaction. - Due Diligence Vendor-08/13/2025 |  |  | XXXXmonths Reserves. Minimum required per guidelines is 6 months.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX. | VA | Primary Residence | Purchase | NA | 5047199 | Originator Pre-Close | Yes |
| XXXX | 2066999 |  |  | Closed | 2025-07-31 11:59 | 2025-08-06 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Asper GLs, Homeowners Association (HOA) questionnaire and condominium review is not required for 'FNMA Fast-Track Review for CPM Approved Projects', Fannie Mae Approval & Fast Track review uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Fast Track with CPM approval - Seller-08/05/2025 <br> Open-HOA Questionnaire is Missing or Partial. As per GL-version XXXX page XXXX, XXXX Questionnaire is required for condo properties, which is missing in the file - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Fast Track with CPM approval - Seller-08/05/2025<br>| Resolved-Asper GLs, Homeowners Association (HOA) questionnaire and condominium review is not required for 'FNMA Fast-Track Review for CPM Approved Projects', Fannie Mae Approval & Fast Track review uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 5004558 | N/A | N/A |
| XXXX | 2066999 |  |  | Closed | 2025-07-31 12:10 | 2025-08-06 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Master Insurance - Seller-08/05/2025 <br> Open-Missing HO-6 Master Insurance Policy Master insurance policy, per Gl-version XXXX page XXXX, is missing from the file. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Master Insurance - Seller-08/05/2025<br>| Resolved-HO-6 Master Insurance Policy uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 5004653 | N/A | N/A |
| XXXX | 2066999 |  |  | Closed | 2025-07-31 12:19 | 2025-08-06 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/05/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per Gl - version XXXX page XXXX, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/05/2025<br>| Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 5004730 | N/A | N/A |
| XXXX | 2066999 |  |  | Closed | 2025-07-31 13:16 | 2025-08-05 08:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. XXXX- Seller-08/04/2025 <br> Open-TRID: Missing Closing Disclosure Borrower not signed to the initial CD and sent electrically proof not available in the file. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Initial CD XXXX- Seller-08/04/2025 | Resolved-Executed Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 5005471 | N/A | N/A |
| XXXX | 2064377 |  |  | Closed | 2025-08-01 07:58 | 2025-08-11 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX provided. Resolved. - Due Diligence Vendor-08/08/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/07/2025 <br> Open-The XXXX document is missing from the loan file. There are two XXXX docs on file. The one on page #XXXX shows P&I amount as $XXXX and interest rate as $XXXX% however per Note they are $XXXX and XXXX% respectively. The other one on page #XXXX shows monthly liabilities as $XXXX whereas per credit report it is $XXXX. Provide an updated XXXX with correct figures. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. XXXX - Seller-08/07/2025 | Resolved-Updated XXXX provided. Resolved. - Due Diligence Vendor-08/08/2025 <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-08/08/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 5018560 | N/A | N/A |
| XXXX | 2064364 |  |  | Closed | 2025-08-05 12:09 | 2025-08-08 17:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Explanation from the Lender received. Property is owned by the business & paid for by the business. Therefore the property expenses are already accounted for in the Business Income/Expenses calculation. No changes made with this information received. Issue resolved. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-UW response: The property is the orchard from which all their business income is derived, taxes and insurance are paid for by the business as part of the expense ratio. The bank statements reflect the tax and insurance coming out of the business account. Obligating them for the payments again would be effectively charging them twice. - Seller-08/08/2025 <br> Open-• Per the Final XXXX (section 3b) and the accompanying Property Profile, the borrower owns another property on XXXX. It does not appear any property expenses were counted for this property in the DTI calculation. The file is missing either (1) the inclusion of any PITIA for DTI consideration, or (2) evidence as to why it can be omitted. - Due Diligence Vendor-08/05/2025 | Ready for Review-UW response: The property is the orchard from which all their business income is derived, taxes and insurance are paid for by the business as part of the expense ratio. The bank statements reflect the tax and insurance coming out of the business account. Obligating them for the payments again would be effectively charging them twice. - Seller-08/08/2025<br>| Resolved-Explanation from the Lender received. Property is owned by the business & paid for by the business. Therefore the property expenses are already accounted for in the Business Income/Expenses calculation. No changes made with this information received. Issue resolved. - Due Diligence Vendor-08/08/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5054944 | N/A | N/A |
| XXXX | 2064364 |  |  | Closed | 2025-08-01 11:17 | 2025-08-08 09:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5019321 | N/A | N/A |
| XXXX | 2064364 |  |  | Closed | 2025-08-01 11:09 | 2025-08-05 17:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX XXXX/XXXX received with an XXXX score of XXXX and is R&W eligible. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of XXXX and is R&W eligible. - Due Diligence Vendor-08/05/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5019252 | N/A | N/A |
| XXXX | 2064364 |  |  | Closed | 2025-08-01 11:55 | 2025-08-05 17:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-XXXX received. Mavent updated & now passes. Issue resolved. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC XXXX lender credit decreased - Seller-08/05/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). • Lender Credits decreased from $XXXX (Revised CD dated XX/XX) to $XXXX (Final CD dated X/XX). No COC was provided for this decrease. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. COC XXXX lender credit decreased - Seller-08/05/2025 | Resolved-COC received. Mavent updated & now passes. Issue resolved. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5019565 | N/A | N/A |
| XXXX | 2064375 |  |  | Closed | 2025-08-01 05:00 | 2025-08-08 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025<br>| Resolved-Third Party Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 5017907 | N/A | N/A |
| XXXX | 2064375 |  |  | Closed | 2025-08-01 04:50 | 2025-08-06 11:40 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025<br>| Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 5017879 | N/A | N/A |
| XXXX | 2064375 |  |  | Closed | 2025-08-01 05:49 | 2025-08-06 10:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Initial CD XXXX - Seller-08/05/2025 <br> Open-TRID: Missing Closing Disclosure Provide initial closing discloser as it is missing from file. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Initial CD XXXX - Seller-08/05/2025 | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 5018185 | N/A | N/A |
| XXXX | 2064368 |  |  | Closed | 2025-08-04 10:52 | 2025-08-07 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared . - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 1 High alert, which was not cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025<br>| Resolved-All Fraud Report Alerts have been cleared . - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | MI | Investment | Purchase | NA | 5036857 | N/A | N/A |
| XXXX | 2064368 |  |  | Closed | 2025-08-05 00:47 | 2025-08-05 19:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document was provided. System updated. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-08/05/2025 <br>Open-Final HUD-1 Document is Missing. • None of the HUD-1 Settlement Statements provided are signed, stamped, or clearly marked as a Final. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-08/05/2025<br>| Resolved-Final HUD-1 Document was provided. System updated. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | MI | Investment | Purchase | NA | 5051771 | N/A | N/A |
| XXXX | 2064381 |  |  | Closed | 2025-08-05 04:05 | 2025-08-08 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-08/07/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation Worksheet as its missing in file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-08/07/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | 5052884 | N/A | N/A |
| XXXX | 2064381 |  |  | Closed | 2025-08-05 04:17 | 2025-08-06 11:48 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-08/05/2025 <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Freddie XXXX - Seller-08/05/2025 | Resolved-Loan Collateral Advisor (LCA) SSR uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | 5052910 | N/A | N/A |
| XXXX | 2064374 |  |  | Closed | 2025-08-05 19:44 | 2025-09-14 06:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/08/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/14/2025 <br>Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 5065010 | N/A | N/A |
| XXXX | 2064374 |  |  | Closed | 2025-08-05 19:27 | 2025-09-14 05:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/14/2025 <br> Resolved-Evidence of Property Tax is present. Corrected 1003/1008 received to reflect the correct tax amount. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Tax Cert to show rate used. With updated 1003/1008 - Seller-08/08/2025 <br> Open-Missing Evidence of Property Tax • Per the Escrow Waiver and the Final 1008, the amount used for Property Taxes is $XXXX annual / XXXX = $XXXX monthly. File is missing evidence of the source of this amount. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Tax Cert to show rate used. With updated XXXX/XXXX - Seller-08/08/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/14/2025 <br> Resolved-Evidence of Property Tax is present. Corrected XXXX/XXXX received to reflect the correct tax amount. - Due Diligence Vendor-08/08/2025 | XXXX |  |  | TX | Investment | Purchase | NA | 5064650 | N/A | N/A |
| XXXX | 2066963 |  |  | Closed | 2025-08-08 09:54 | 2025-08-18 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire is Present - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/15/2025 <br>Counter-We could not clear this condition based on the response, per guidelines and industry standard we need condo questionnaire to complete an accurate review<br> - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Property type townhome - n/a - Seller-08/12/2025 <br>Open-HOA Questionnaire is Missing or Partial. Missing Questionnaire Doc in file as loan is Condo Property. - Due Diligence Vendor-08/08/2025 | Ready for Review-Property type townhome - n/a - Seller-08/12/2025<br>| Resolved-HOA Questionnaire is Present - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 5106311 | N/A | N/A |
| XXXX | 2066963 |  |  | Closed | 2025-08-11 17:59 | 2025-08-13 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Proof of foreign primary residence not in the file. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 5134508 | N/A | N/A |
| XXXX | 2066963 |  |  | Closed | 2025-08-11 17:58 | 2025-08-13 15:58 | Resolved | 1 - Information C A | Credit | Credit | Tradeline minimum has not met guidelines | Resolved-Credit documents received. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Foreign national minimum tradeline requirement has not been met. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Credit documents received. - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 5134476 | N/A | N/A |
| XXXX | 2066963 |  |  | Closed | 2025-08-08 11:19 | 2025-08-13 15:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Reserves < XXXX months<br> - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) As per Matrix Minimum Reserves is XXXX months but as per Loan reserves is Zero need supporting doc to meet guidelines requirements. <br> - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Waived-Reserves < XXXX months<br> - Due Diligence Vendor-08/13/2025 | XXXX |  | DSCR is XXXX. Minimum required per guidelines is XXXX.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX. | SC | Investment | Purchase | NA | 5106776 | Originator Post-Close | Yes |
| XXXX | 2066963 |  |  | Closed | 2025-08-11 18:14 | 2025-08-13 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Complete business purpose affidavit received. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. - Seller-08/13/2025 <br> Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure missing initials, - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/13/2025<br>| Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Complete business purpose affidavit received. - Due Diligence Vendor-08/13/2025 | XXXX |  |  | SC | Investment | Purchase | NA | 5134811 | N/A | N/A |
| XXXX | 2059639 |  |  | Closed | 2025-08-13 22:15 | 2025-08-26 14:06 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Finding resolved, clarification on income received - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/25/2025 <br> Counter-Received rental documentation showing multiple deposits, shows months of where deposits do not add up to the rental lease amount of $XXXX - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Received rental documentation showing multiple deposits, shows months of where deposits do not add up to the rental lease amount of $XXXX - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/18/2025 <br> Open-XXXX month bank statement in file for the lease agreement that is month to month, missing XXXX month showing deposit - Due Diligence Vendor-08/13/2025 |  | Resolved-Finding resolved, clarification on income received - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 5170017 | N/A | N/A |
| XXXX | 2066962 |  |  | Closed | 2025-08-15 09:47 | 2025-08-19 15:18 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Investment property/ no lease agreement. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/15/2025 <br> Open-As per Guidelines XXXX Version XXXX on Page # XXXX shows For Refinance transaction require Lease agreement but missing in file. So provide supporting doc. - Due Diligence Vendor-08/15/2025 |  | Waived-Investment property/ no lease agreement. - Due Diligence Vendor-08/19/2025<br>| Exception Atwell.pdf |  | DSCR is XXXX. Minimum required per guidelines is XXXX.<br> Credit Score is XXXX. Minimum required XXXX | IN | Investment | Refinance | Cash Out - Other | 5188908 | Originator Post-Close | Yes |
| XXXX | 2070876 |  |  | Closed | 2025-08-15 14:15 | 2025-08-15 14:15 | Waived | 2 - Non-Material B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Exception made for seasoning less than XXXX months from last transaction on a cash out refinance - Due Diligence Vendor-08/15/2025 |  | Waived-Cash Out Does Not Meet Guideline Requirements Exception made for seasoning less than 6 months from last transaction on a cash out refinance - Due Diligence Vendor-08/15/2025<br>| XXXX |  | Employed in same business for XXXX+ years<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.  | CA | Primary Residence | Refinance | Cash Out - Other | 5191782 | Originator Pre-Close | Yes |
| XXXX | 2066966 |  |  | Closed | 2025-08-14 21:23 | 2025-08-18 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Clarification and document received - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Appraisal has commentary about the subject sold to borrower by builder and leased back to builder. Cost to cure the conversion back to garage one the builder has completed the sales of all properties was completed by a contractor. - Buyer-08/15/2025 <br>Open-Letter providing cause of vacancy is not in file. - Due Diligence Vendor-08/14/2025 |  | Resolved-Clarification and document received - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Home Improvement/Reno | 5185233 | N/A | N/A |
| XXXX | 2067000 |  |  | Closed | 2025-08-14 13:40 | 2025-08-20 15:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated Title Document Provided with the updated coverage amount that covers loan amount, Updated & Condition Resolved. - Due Diligence Vendor-08/18/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-08/15/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount The file is missing the title Coverage in the amount of $XXXX for the subject loan. The preliminary title in file on page#XXXX reflects $XXXX. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-08/15/2025<br>| Resolved-Requested updated Title Document Provided with the updated coverage amount that covers loan amount, Updated & Condition Resolved. - Due Diligence Vendor-08/18/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/18/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 5175444 | N/A | N/A |
| XXXX | 2067000 |  |  | Closed | 2025-08-14 14:24 | 2025-08-20 10:23 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower XXXX Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/19/2025 <br> Open-Borrower XXXX Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). As per the GL Version XXXX on page#XXXX we required Gap credit report within XXXX days prior to closing date. in file we have Gap report available on page#XXXX showing as XXXX business days prior to closing date.<br> - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/19/2025<br>| Resolved-Updated Borrower XXXX Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-08/20/2025 | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 5176267 | N/A | N/A |
| XXXX | 2066964 |  |  | Closed | 2025-08-18 07:22 | 2025-08-18 11:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pgXXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXXX and the Final Closing disclosure on Pg#'s XXXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX, XXXX An interior and exterior appraisal was completed for this property – see pg XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX and copy of the appraisal was given to the borrower – see Pg#'s XXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/18/2025 |  |  |  | TX | Primary Residence | Purchase | NA | 5206876 | N/A | N/A |
| XXXX | 2070872 |  |  | Closed | 2025-08-26 19:21 | 2025-08-29 16:02 | Resolved | 1 - Information D A | Credit | Credit | Spousal Consent Missing | Resolved-Validation Resolved' - Due Diligence Vendor-08/29/2025 <br>Resolved-Interspousal document received. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Open-Transfer deed/spousal consent not in the file. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-08/29/2025 <br>Resolved-Interspousal document received. - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5324526 | N/A | N/A |
| XXXX | 2070872 |  |  | Closed | 2025-08-26 18:47 | 2025-08-29 14:52 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated XXXX received. Non-agency advantage confirmed. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br> Open-Approval certificate is present - loan program notes as non-agency advantage, XXXX notes titanium. - Due Diligence Vendor-08/26/2025 |  | Resolved-Updated XXXX received. Non-agency advantage confirmed. - Due Diligence Vendor-08/29/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5323670 | N/A | N/A |
| XXXX | 2070872 |  |  | Closed | 2025-08-20 11:32 | 2025-08-29 14:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/29/2025 <br> Resolved-Title Coverage Amount of $XXXX title doc provided. Resolved - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount 1. Loan amount is missing in Title report. <br> 2. And title vesting shows borrower and other name. - Due Diligence Vendor-08/20/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/29/2025 <br> Resolved-Title Coverage Amount of $XXXX title doc provided. Resolved - Due Diligence Vendor-08/29/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5244894 | N/A | N/A |
| XXXX | 2070872 |  |  | Closed | 2025-08-26 18:40 | 2025-08-26 18:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Rural property with multiple outbuildings – non agricultural. Exception page XXXX. - Due Diligence Vendor-08/26/2025 |  | Waived-Loan does not conform to program guidelines Rural property with multiple outbuildings – non agricultural. Exception page 2. - Due Diligence Vendor-08/26/2025<br>|  |  | Residual income $XXXX required $XXXX<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%. | CA | Primary Residence | Refinance | Cash Out - Other | 5323556 | Originator Pre-Close | Yes |
| XXXX | 2070871 |  |  | Closed | 2025-08-26 16:28 | 2025-08-26 16:30 | Acknowledged | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Acknowledged-Spousal consent is not in the file. Per upper management it is acceptable to proceed as a B grade. Finding has been acknowledged. - Due Diligence Vendor-08/26/2025 |  | Acknowledged-Spousal consent is not in the file. Per upper management it is acceptable to proceed as a B grade. Finding has been acknowledged. - Due Diligence Vendor-08/26/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 5320354 | Originator Post-Close | No |
| XXXX | 2070871 |  |  | Closed | 2025-08-21 05:30 | 2025-08-26 15:32 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception made for unit size < XXXX sq ft (3 of 6). And, one unit with no stove. Exception page XXXX - Due Diligence Vendor-08/21/2025 |  | Waived-Exception made for unit size < XXXX sq ft (3 of 6). And, one unit with no stove. Exception page XXXX - Due Diligence Vendor-08/21/2025 |  |  | Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months.<br> DSCR is XXXX. Minimum required per guidelines is XXXX<br> LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Borrower Housing History is XXXX, XXXX+ months.  | FL | Investment | Refinance | Cash Out - Other | 5260265 | Originator Pre-Close | Yes |
| XXXX | 2070874 |  |  | Closed | 2025-08-21 10:08 | 2025-09-04 23:20 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/04/2025 <br> Resolved-Residential appraisal review short form received. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. That is why a Desk review is in the file =see attached - Buyer-08/29/2025 <br> Counter-Variance is > XXXX%. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Second Appraisal/ Valuation is Missing in file - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/04/2025 <br>Resolved-Residential appraisal review short form received. - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 5261160 | N/A | N/A |
| XXXX | 2070874 |  |  | Closed | 2025-08-26 22:56 | 2025-08-29 16:25 | Resolved | 1 - Information C A | Credit | Credit | Deficient undewriting exception form | Resolved-Exception clarified with receipt of final exception. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br> Open-Exception page XXXX refers to vesting in LLC for an investment property Income Qual on Platinum Advantage. Approval certificate notes DSCR Investor advantage. Vesting to borrower. - Due Diligence Vendor-08/26/2025 |  | Resolved-Exception clarified with receipt of final exception. - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 5327198 | N/A | N/A |
| XXXX | 2070874 |  |  | Closed | 2025-08-29 16:18 | 2025-08-29 16:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Unit XXXX < XXXX sq ft. - Due Diligence Vendor-08/29/2025 <br> Open-Loan does not conform to program guidelines Unit XXXX < XXXX sq ft. - Due Diligence Vendor-08/29/2025 |  | Waived-Loan does not conform to program guidelines Unit XXXX < XXXX sq ft. - Due Diligence Vendor-08/29/2025 |  |  | LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> No history of derogatory payments including 4 mortgages PIF XXXX | WA | Investment | Refinance | Cash Out - Other | 5363031 | Originator Post-Close | Yes |
| XXXX | 2070874 |  |  | Closed | 2025-08-26 22:42 | 2025-08-29 16:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Borrower does not rent or own a primary residence - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/28/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower does not rent or own a primary residence. Subject property has no payment history - Due Diligence Vendor-08/26/2025 |  | Waived-Borrower does not rent or own a primary residence - Due Diligence Vendor-08/29/2025<br>| XXXX |  | LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> No history of derogatory payments including 4 mortgages PIF XXXX | WA | Investment | Refinance | Cash Out - Other | 5327080 | Originator Post-Close | Yes |

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## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 3**

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| **Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2070877 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 69.77 | 69.77 | XXXX | XXXX | -.0268 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0268 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2043085 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 3.3 | XXXX |
| 2043084 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2065242 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.42 | 79.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2043086 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065250 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.92 | 18.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2059639 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.98 | 78.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065236 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 2065253 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.54 | 58.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| 2065240 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2065258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065251 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.29 | 69.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065271 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065238 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 74.85 | 74.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065255 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.53 | 26.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2065246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065266 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| 2065256 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.6 | XXXX |
| 2065267 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.98 | 65.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 64.43 | 64.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| 2065252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| 2065270 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 26.92 | 26.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 2065237 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065273 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.47 | 74.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2059633 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.8 | XXXX |
| 2065248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065249 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 2065259 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065272 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2059627 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.55 | 89.55 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2070878 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2059634 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065239 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2065263 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2065241 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| 2065262 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 3.7 | XXXX |
| 2066960 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2059636 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | 1.5403 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.5403 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065265 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 44.16 | 44.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065243 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065260 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2065240 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.02 | 72.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2065244 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0333 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065254 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0193 | Desk Review |  |  |  |  | XXXX | XXXX | .0210 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0193 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065264 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2065274 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.7 | XXXX |
| 2065255 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 79.07 | 79.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2068710 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 2070869 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0313 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0312 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064361 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2064359 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2066994 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2066995 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.75 | 49.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064363 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 2064380 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.51 | 69.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064358 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 2 | XXXX |
| 2064376 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2064366 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 2066996 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2064378 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064370 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2068707 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064371 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2066997 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064360 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.21 | 44.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2064365 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.94 | 79.94 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2064373 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.15 | 76.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 2066998 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.54 | 61.54 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2064372 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064362 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2064379 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064369 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.03 | 69.03 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2066999 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2064364 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.1 | 38.1 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2064375 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.74 | 69.74 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2064357 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 79.01 | 79.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| 2064368 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.35 | 54.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064381 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.04 | 37.04 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2064374 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2066963 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 74.97 | 74.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2064443 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0990 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0990 | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2059639 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 63.49 | 63.49 | XXXX | XXXX | .0159 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0159 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2066962 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0667 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0667 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2070876 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2066966 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2067000 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2066964 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2068708 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2070875 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.99 | 33.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2070872 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.47 | 35.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2070871 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0017 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0017 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2070874 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 42.98 | 42.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 4**

---

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| **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # 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** |
| 2070877 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $3961.02 | Yes | 7.375% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.235 | 1.22 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37130.86 | 6.7 | 48852.74 | 8.8 | No | 69.77 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2043085 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.016% |  | 6.999% | 6.999% | $11411.52 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 51.65% | 51.67% | 51.67% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 307 | 26 | FNMA 1005 NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss) - Executed 4506T Verified | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 222672.98 | 16.7 | 222672.98 | 16.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2043084 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/16/2025 | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.563% |  | 7.250% | 7.250% | $6718.07 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 39.50% | 39.70% | 39.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 42500.17 | 5.5 | 248071.04 | 31.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065242 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.000% | 9.000% | $2027.01 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $78.33 | XXXX | Annually | 31.96% | 31.96% | 31.96% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 231108.55 | 88.9 | 231108.55 | 88.9 | No | 79.42 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2043086 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/16/2025 | 6.800% | Manual Underwriting | Manual Underwriting | No | 8.381% |  | 7.999% | 7.999% | $3198.91 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 18.72% | 18.72% | 18.72% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 93.00% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | MA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 109099.74 | 27.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065250 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1594.21 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.122 | 1.12 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14973.53 | 8.1 | 14973.53 | 8.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065268 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/12/2025 | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.932% |  | 7.750% | 7.750% | $2507.44 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | HI | $124.00 | XXXX | Monthly | 13.71% | 13.62% | 13.62% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 84 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Asset Depletion - Award Letter Verified - 2024, 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1312705.03 | 418.8 | 1312705.03 | 418.8 | No | 18.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2059639 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.760% |  | 7.500% | 7.500% | $5516.80 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $29.17 | XXXX | Annually | 49.99% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 74.29% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Primary Residence Rent Income - Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 68961.61 | 10.1 | 68961.61 | 10.1 | No | 78.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065236 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/09/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.247% |  | 7.875% | 7.875% | $1762.24 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 35.69% | 35.69% | 35.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 41061.62 | 19.2 | 41061.62 | 19.2 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065253 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/21/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.846% |  | 7.625% | 7.625% | $2123.38 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $465.33 | XXXX | Annually | 48.03% | 48.03% | 48.03% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | Yes | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Maintenance, Asset Depletion - 3 YRS Executed 4506T Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 596208.52 | 185.7 | 596208.52 | 185.7 | No | 58.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065240 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/29/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.954% |  | 7.750% | 7.750% | $1535.99 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 37.23% | 37.23% | 37.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 73911.47 | 41.4 | 73911.47 | 41.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065258 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1262.68 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.026 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17095.97 | 10.6 | 17095.97 | 10.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2065251 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2306.14 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | UT | $212.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 0.941 | 0.941 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1513131.72 | 527.6 | 1513131.72 | 527.6 | No | 69.29 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065271 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.939% |  | 8.875% | 8.875% | $8234.92 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | OR | $10.00 | XXXX | Annually | 42.13% | 39.23% | 39.23% | No | No | 4 - Verified 2+ Mos |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Not Employed | Self-Employed | Self-Employed |  | 6.69 |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 12 | 12 | 100.00% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower 2 - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 | 775 | 773 | 776 |  |  |  | 775 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 142302.65 | 8.9 | 142302.65 | 8.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |
| 2065238 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $6877.56 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 65.44% | 47.03% | 47.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1519338.38 | 151.9 | 1519338.38 | 151.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065269 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $2935.33 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | MO | $217.00 | XXXX | Monthly | 49.37% | 29.51% | 29.51% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NE | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 203777.66 | 46.3 | 203777.66 | 46.3 | No | 74.85 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065255 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/22/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.632% |  | 7.500% | 7.500% | $8810.10 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 49.30% | 49.30% | 49.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 22.55% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 905301.08 | 84.9 | No | 26.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065246 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $953.13 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.661 | 1.66 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 127498.75 | 107.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065266 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $7757.96 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | HI | $2642.00 | XXXX | Monthly | 70.46% | 39.35% | 39.35% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 474058.14 | 44.1 | 474058.14 | 44.1 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2065256 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $841.42 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | KY | $387.00 | XXXX | Monthly | 71.31% | 40.06% | 40.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 55981.31 | 38.6 | 55981.31 | 38.6 | No | 70 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2065267 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2237.49 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | HI | $1100.00 | XXXX | Monthly | 22.38% | 17.05% | 17.05% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Subject Property Net Rental Income(Loss) if NOO | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Lease Hold | XXXX | No | No | N/A | 1094700.17 | 202.3 | 1400258.18 | 258.8 | No | 65.98 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2065257 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $4477.58 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | AL | $750.00 | XXXX | Monthly | 65.50% | 33.87% | 33.87% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 201072.63 | 34.4 | 201072.63 | 34.4 | No | 64.43 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2065252 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1179.01 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 31.70% | 20.47% | 20.47% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | Borrower Prepared | 6 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 67665.44 | 40.5 | 67665.44 | 40.5 | No | 50 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065270 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/29/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 8.036% |  | 7.875% | 7.875% | $1268.87 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | $1160.83 | XXXX | Annually | 16.26% | 16.26% | 16.26% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 288 | 30 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - Subject Property Net Rental Income(Loss) if NOO | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 453063.52 | 144.2 | 453063.52 | 144.2 | No | 26.92 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065237 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/17/2025 | 6.550% | Manual Underwriting | Manual Underwriting | No | 8.272% |  | 8.250% | 8.250% | $11392.96 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | GA | $125.00 | XXXX | Annually | 49.19% | 49.19% | 49.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 158450.95 | 12.3 | 158450.95 | 12.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065273 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2537.74 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | GA | $23.75 | XXXX | Annually | 51.49% | 24.99% | 24.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 77926.17 | 25.5 | 165389.63 | 54.1 | No | 74.47 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2059633 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/29/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.484% |  | 7.250% | 7.250% | $8186.12 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 4.70% | 4.72% | 4.72% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 358293.52 | 36.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065248 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/03/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 8.932% |  | 8.750% | 8.750% | $11328.49 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | $246.00 | XXXX | Monthly | 34.15% | 34.04% | 34.04% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 201407.60 | 15.1 | 201407.60 | 15.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065249 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.516% |  | 7.375% | 7.375% | $6077.94 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $331.00 | XXXX | Monthly | 27.83% | 27.80% | 27.80% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Other REO Net Rental Income(Loss) | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 123355.62 | 14.5 | 123355.62 | 14.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065259 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1903.31 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | AL | $606.00 | XXXX | Monthly | 83.39% | 32.40% | 32.40% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS 1099 | 1 YR 1099 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement, Other - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024 \|\| Co Borrower - Retirement - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 132806.97 | 49 | 132806.97 | 49 | No | 75 | No | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065245 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.867% |  | 7.500% | 7.500% | $7872.46 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | OH | $525.00 | XXXX | Monthly | 43.65% | 43.65% | 43.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 1 YR 1099 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 22 | 29 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Asset Depletion - 1 YR 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 810436.81 | 73.4 | 810436.81 | 73.4 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065272 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/12/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.568% |  | 7.500% | 7.500% | $8275.12 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TN | $125.00 | XXXX | Monthly | 18.58% | 18.58% | 18.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 86739.82 | 9.5 | 86739.82 | 9.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2059627 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.844% |  | 7.500% | 7.500% | $2714.35 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | $53.00 | XXXX | Annually | 9.88% | 9.88% | 9.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15825.85 | 4.3 | 15825.85 | 4.3 | No | 89.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2070878 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $4263.41 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | MA | $33.33 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.737 | 1.73 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 374382.80 | 72.9 | 374382.80 | 72.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2059634 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/03/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.364% |  | 7.125% | 7.125% | $2566.87 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 41.01% | 40.63% | 40.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | Missing | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20480.26 | 6.3 | 20480.26 | 6.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065239 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.838% |  | 7.750% | 7.750% | $2693.14 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 42.98% | 42.98% | 42.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 37954.64 | 12.6 | 37954.64 | 12.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065263 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $754.07 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.075 | 1.07 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 49608.03 | 50.8 | 49608.03 | 50.8 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065241 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 9.452% |  | 9.250% | 9.250% | $2442.61 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 51.38% | 51.38% | 51.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 30 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 213171.76 | 72.9 | 213171.76 | 72.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065262 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/06/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.677% |  | 7.500% | 7.500% | $1929.83 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | IN | $16.67 | XXXX | Annually | 46.90% | 46.90% | 46.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 159 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Asset Depletion - CPA Letter Verified, 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 181316.18 | 74.4 | 181316.18 | 74.4 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2066960 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1756.78 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | NJ | $625.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.718 | 1.718 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 53627.32 | 20.5 | 53627.32 | 20.5 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2059636 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/16/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.273% |  | 7.875% | 7.875% | $2022.94 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 24.86% | 24.86% | 24.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 146849.77 | 59.6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065265 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/11/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.702% |  | 7.500% | 13.420% | $2272.45 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | HI | $1079.00 | XXXX | Monthly | 24.49% | 24.49% | 24.49% | No | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 17 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability, Other, Asset Depletion, Other REO Net Rental Income(Loss) - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2025 - 2025 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4273991.32 | 590.4 | 4273991.32 | 590.4 | No | 44.16 | No | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065243 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1398.43 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | SC | $933.50 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.283 | 1.28 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WV | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 62732.99 | 23.7 | 62732.99 | 23.7 | No | 80 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065260 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1091.23 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.252 | 1.25 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 109551.86 | 76.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065240 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1862.67 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 39.83% | 30.41% | 30.41% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT (Driver's Lincense) | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 157247.17 | 74.1 | No | 72.02 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065244 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1182.47 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.296 | 1.29 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 167483.55 | 109.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2065254 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/24/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.750% |  | 7.625% | 7.625% | $19110.43 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | $3190.00 | XXXX | Monthly | 46.70% | 46.70% | 46.70% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | Yes | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2025 - 2025 | Borrower - 2025 - 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1841999.31 | 76.4 | 1841999.31 | 76.4 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2065264 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/23/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 8.784% |  | 8.750% | 8.750% | $6478.48 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 50.76% | 49.49% | 49.49% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 80.17% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54921.67 | 7 | 54921.67 | 7 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2065274 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2013.74 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | AL | $20.83 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.23 | 1.23 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 25525.93 | 9.7 | 25525.93 | 9.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2065255 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1307.15 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | CO | $570.00 | XXXX | Monthly | 68.97% | 40.87% | 40.87% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 29 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20272.30 | 10.2 | 20272.30 | 10.2 | No | 79.07 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2068710 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/18/2025 | 6.890% | Manual Underwriting | Manual Underwriting | No | 8.597% |  | 8.500% | 8.500% | $5536.18 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 17.81% | 34.55% | 34.55% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESCorp, SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54435.38 | 8.8 | 54435.38 | 8.8 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2070869 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $3676.93 | Yes | 7.250% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.013 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 64710.92 | 12.5 | 64710.92 | 12.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2064361 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/08/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.956% |  | 7.750% | 7.750% | $2364.16 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | $104.17 | XXXX | Annually | 31.29% | 31.30% | 31.30% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 116455.47 | 32 | 116455.47 | 32 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064359 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.559% |  | 7.250% | 7.250% | $5075.39 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 30.95% | 31.33% | 31.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 255461.68 | 41.4 | 255461.68 | 41.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2066994 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.819% |  | 7.625% | 7.625% | $2293.25 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | SC | $262.00 | XXXX | Monthly | 49.91% | 49.90% | 49.90% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NC | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 22422.60 | 7.8 | 22422.60 | 7.8 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2066995 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.112% |  | 6.875% | 6.875% | $1290.92 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | GA | $362.00 | XXXX | Monthly | 37.34% | 37.34% | 37.34% | 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% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23925.38 | 11.4 | 23925.38 | 11.4 | No | 49.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064363 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/07/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.766% |  | 7.625% | 7.625% | $1990.67 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 15.79% | 15.79% | 15.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 42425.58 | 18.7 | 42425.58 | 18.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064380 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1033.22 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 33.64% | 23.02% | 23.02% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 135707.89 | 90.9 | No | 69.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2064358 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.204% |  | 7.875% | 7.875% | $1954.79 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 27.43% | 29.49% | 29.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | TX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 24820.83 | 9 | 24820.83 | 9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064376 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.755% |  | 7.500% | 7.500% | $4782.63 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | $100.00 | XXXX | Monthly | 44.26% | 44.26% | 44.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 118501.91 | 19.7 | 118501.91 | 19.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064366 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.333% |  | 7.125% | 7.125% | $1519.37 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | MN | $365.00 | XXXX | Monthly | 44.27% | 44.27% | 44.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 60 | No | Yes | Yes | 0 | 24 | No |  |  |  | 63.47% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Asset Depletion - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 65209.71 | 29.9 | 65209.71 | 29.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2066996 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/09/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.798% |  | 7.750% | 7.750% | $6590.99 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 20.28% | 20.32% | 20.32% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 121491.07 | 15.3 | 121491.07 | 15.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064378 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2929.28 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 42.85% | 31.23% | 31.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61450.21 | 17.1 | 61450.21 | 17.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2064370 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/28/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.059% |  | 6.875% | 6.875% | $5754.70 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | CA | $335.00 | XXXX | Monthly | 24.53% | 24.59% | 24.59% | No | No | 1 - Not Stated Not Verified |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Employed | Self-Employed |  | 11.64 |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 80.86% | 40.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2023 \|\| Co Borrower 2 - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2023 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 | 810 | 835 | 804 |  |  |  | 810 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | CA | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 486112.06 | 53.8 | 486112.06 | 53.8 | No | 75 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |
| 2068707 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/10/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.018% |  | 6.625% | 6.625% | $5071.26 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 38.11% | 38.11% | 38.11% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 129582.08 | 23.5 | 129582.08 | 23.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2064371 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/06/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.264% |  | 7.125% | 7.125% | $2102.00 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 28.55% | 28.56% | 28.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | SD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 61145.43 | 22.7 | 61145.43 | 22.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2066997 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/27/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.472% |  | 7.250% | 7.250% | $1745.83 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | MD | $577.00 | XXXX | Monthly | 41.87% | 41.87% | 41.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58109.29 | 21.5 | 69469.89 | 25.7 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064360 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/02/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.510% |  | 7.375% | 7.375% | $1450.42 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $41.67 | XXXX | Annually | 26.29% | 26.21% | 26.21% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 523695.32 | 265.6 | 523695.32 | 265.6 | No | 44.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2064365 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/26/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.429% |  | 7.125% | 7.125% | $3096.78 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CO | $57.67 | XXXX | Annually | 48.04% | 48.04% | 48.04% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Child Support, Asset Depletion - Executed 4506T Verified, Separation Agreement Verified - 2025 - 2025 | Borrower - Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 260574.10 | 71.1 | 260574.10 | 71.1 | No | 79.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064373 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/03/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.281% |  | 7.125% | 7.125% | $7749.92 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 43.99% | 43.99% | 37.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 38136.73 | 5.9 | 38136.73 | 5.9 | No | 76.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2066998 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/08/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.289% |  | 7.000% | 7.000% | $3193.45 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 26.24% | 26.24% | 26.24% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 1 YR W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 60 | No | Yes | Yes | 0 | 2 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 671532.49 | 184.6 | 671532.49 | 184.6 | No | 61.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2064372 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/09/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.029% |  | 7.875% | 7.875% | $1882.28 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 44.64% | 44.64% | 44.64% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 60 | No | Yes | Yes | 12 | 0 | No |  |  |  | 36.19% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion, SSI and Disability, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 121677.00 | 42.1 | 121677.00 | 42.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064362 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/11/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.716% |  | 7.625% | 7.625% | $1899.72 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | $91.33 | XXXX | Annually | 42.04% | 42.05% | 42.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23160.02 | 7.8 | 23160.02 | 7.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064379 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/10/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.800% |  | 7.500% | 7.500% | $1780.36 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | CA | $390.00 | XXXX | Monthly | 46.62% | 46.19% | 40.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30056.96 | 13.9 | 30056.96 | 13.9 | No | 65 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064369 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/07/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 6.920% |  | 6.875% | 6.875% | $5636.45 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $235.00 | XXXX | Monthly | 42.03% | 41.84% | 41.84% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 33.13% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Executed 4506T Verified - 2025, 2024, 2023, 2022 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023, 2022 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 62866.99 | 8.4 | 62866.99 | 8.4 | No | 69.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2066999 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/15/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.550% |  | 7.375% | 7.375% | $1834.61 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | VA | $250.00 | XXXX | Monthly | 41.33% | 41.85% | 41.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54269.55 | 22.7 | 54269.55 | 22.7 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064377 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | 07/25/2025 | 6.790% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.375% | 8.375% | $4599.96 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 22.90% | 22.74% | 22.74% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 165760.21 | 30.4 | 165760.21 | 30.4 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2064364 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 06/25/2025 | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.085% |  | 6.875% | 6.875% | $5255.43 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 49.83% | 49.83% | 49.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, 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 | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 6094.84 | 0.8 | 778767.85 | 102.2 | No | 38.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064375 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | 07/25/2025 | 6.790% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.750% | 7.750% | $2418.34 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | ID | $29.17 | XXXX | Annually | 46.35% | 46.35% | 46.35% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1099 Verified | 2 YRS 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | 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 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS 1099 Verified, 2 YRS Executed 4506T Verified - 2024, 2023 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024, 2023 \|\| Co Borrower | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 25536.36 | 9.5 | No | 69.74 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2064357 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/11/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.125% |  | 7.750% | 7.750% | $2292.52 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | VA | $162.08 | XXXX | Monthly | 49.57% | 49.58% | 49.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 9892.11 | 3.5 | 9892.11 | 3.5 | No | 79.01 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.875% | 7.875% | $906.34 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.332 | 1.332 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33130.93 | 24.5 | 33130.93 | 24.5 | No | 54.35 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2064381 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/17/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.970% |  | 6.750% | 6.750% | $3242.99 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 23.61% | 23.61% | 23.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1309755.14 | 315.8 | 1309755.14 | 315.8 | No | 37.04 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2064374 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 9.250% | 9.250% | $1382.03 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | $66.67 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.004 | 1.002 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 180699.11 | 98.1 | 180699.11 | 98.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2066963 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1167.33 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | SC | $255.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.128 | 1.128 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.97 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2064443 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/14/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.898% |  | 6.750% | 6.750% | $9583.04 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 13.16% | 12.78% | 12.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 253019.77 | 22.5 | 659744.03 | 58.8 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2059639 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2728.71 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.874 | 1.86 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 29328.46 | 8.4 | 29328.46 | 8.4 | No | 63.49 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2066962 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $3492.51 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.203 | 1.203 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 32026.48 | 6.9 | 32026.48 | 6.9 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2070876 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/22/2025 | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.246% |  | 7.125% | 7.125% | $9432.06 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | $8.33 | XXXX | Annually | 49.48% | 49.48% | 49.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 79191.99 | 6.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2066966 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2612.05 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | $9.58 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.081 | 1.08 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 368132.59 | 118 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2067000 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/17/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.815% |  | 7.750% | 7.750% | $4153.40 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | AZ | $205.00 | XXXX | Monthly | 48.91% | 48.89% | 48.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 20745.94 | 4.4 | 42376.14 | 9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2066964 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/29/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.258% |  | 7.875% | 7.875% | $1609.60 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | $22.92 | XXXX | Annually | 35.49% | 35.20% | 35.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 134973.14 | 64.4 | 134973.14 | 64.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2068708 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $3485.92 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.227 | 1.227 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 95224.71 | 19.8 | 95224.71 | 19.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2070875 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 08/06/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.658% |  | 7.375% | 7.375% | $3591.51 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 40.49% | 40.49% | 40.49% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1099 Verified | 1 YR W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | 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 | 18 | 18 | FNMA 1005 NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - 1 YR W2 Verified, Written VOE Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 105726.15 | 25.7 | No | 33.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2070872 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | 07/18/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.475% |  | 7.125% | 7.125% | $2492.76 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 16.29% | 15.91% | 15.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 88269.10 | 26.3 | 88269.10 | 26.3 | No | 35.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 2070871 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $6189.80 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.269 | 1.269 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 163193.74 | 21.9 | 163193.74 | 21.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2070874 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1036.01 | No |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.089 | 1.089 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 138508.47 | 102.3 | No | 42.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |

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## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 5**

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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 610762 | 2070877 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6880 | 8330 | Rent Estimate - Other |  | N/A |  |  | 6880 | Actual In Place Rent | No | 80.99 | 1.22 | 1.235 | 5571.79 | 1295 | XXXX | 12 | 1295 | XXXX | 12 | 1295 | XXXX | 12 | 1195 | XXXX | 12 | 1800 | XXXX | 12 | 0 | XXXX | 12 |  |  |  |  | Yes | 70000 |  |  |  | 6880 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 8.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 618567 | 2065242 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 2175 | Appraisal - 1007 |  | N/A |  |  | 2175 | Appraisal - 1007 | No | 119.52 |  | 0 | 2599.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2175 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 88.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 646271 | 2065250 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 80.81 | 1.12 | 1.122 | 2050.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.06 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 659667 | 2065258 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  | N/A |  |  | 1650 | Appraisal - 1007 | No | 97.47 | 1.03 | 1.026 | 1608.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19298.4 |  | XXXX |  | 1650 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 10.63 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 659668 | 2065251 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 106.22 | 0.941 | 0.941 | 2867.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 527.63 | No | XXXX |  | Individual | XXXX | XXXX | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 662194 | 2065238 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 9000 | Appraisal - 1007 |  | N/A |  |  | 9000 | Appraisal - 1007 | No | 111.12 |  | 0 | 10000.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 312500 |  |  |  | 9000 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 151.92 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 662195 | 2065269 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 2450 | Appraisal - 1007 |  | N/A |  |  | 2450 | Appraisal - 1007 | No | 179.74 |  | 0 | 4403.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2450 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 46.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 665450 | 2065246 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 1975 | Appraisal - 1007 |  | N/A |  |  | 1975 | Appraisal - 1007 | No | 60.2 | 1.66 | 1.661 | 1188.95 | 2250 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  | XXXX |  | 1975 |  |  |  |  |  |  | No | No | 0.5 | 6 | 1 | N/A | 107.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 667551 | 2065266 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 13000 | Appraisal - 1007 |  | N/A |  |  | 13000 | Appraisal - 1007 | No | 95.38 |  | 0 | 12399.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 13000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 44.12 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| 667552 | 2065256 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 96.59 |  | 0 | 1448.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | 0 | 1500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 38.64 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 667553 | 2065267 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6850 | Appraisal - 1007 |  | N/A |  |  | 6850 | Appraisal - 1007 | No | 78.99 |  | 0 | 5410.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6850 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 258.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| 667555 | 2065257 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 5500 | Appraisal - 1007 |  | N/A |  |  | 5500 | Appraisal - 1007 | No | 106.28 |  | 0 | 5845.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13400 |  | XXXX |  | 5500 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 34.4 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| 667556 | 2065252 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 3375 | Appraisal - 1007 |  | N/A |  |  | 3375 | Appraisal - 1007 | No | 49.55 |  | 0 | 1672.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 3375 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 40.46 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| 667559 | 2065273 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 117.68 |  | 0 | 3059.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31200 |  | XXXX |  | 2600 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 54.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| 669626 | 2065259 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 2700 | Appraisal - 1007 | 3553.26 | Other | 12 |  | 3553.26 | Other | Yes | 76.24 |  | 0 | 2708.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3553.26 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 49.03 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 670682 | 2070878 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 | 8926.67 | AirDNA | 12 |  | 8926.67 | AirDNA | Yes | 57.56 | 1.73 | 1.737 | 5138.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 167400 |  | XXXX |  | 8926.67 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 72.86 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| 671861 | 2065263 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1050 | Appraisal - 1007 |  | N/A |  |  | 1050 | Appraisal - 1007 | No | 93.06 | 1.07 | 1.075 | 977.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12600 |  |  |  | 1050 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 50.77 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 673943 | 2066960 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 58.22 | 1.718 | 1.718 | 2619.99 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 20.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| 674504 | 2065243 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1007 | 4513.5 | Other | 12 |  | 3400 | Appraisal - 1007 | No | 77.95 | 1.28 | 1.283 | 2650.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3400 |  |  |  |  |  |  | No | No | 0 | 7 | 1 | N/A | 23.67 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 674507 | 2065260 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Actual In Place Rent | No | 79.86 | 1.25 | 1.252 | 1437.46 | 1800 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28971 |  | 0 | 0 | 1800 |  |  |  |  |  |  | No | No | 18.2 | 2 | 1 | N/A | 76.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 674508 | 2065240 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 106.18 |  | 0 | 2123.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25483 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 74.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 674509 | 2065244 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1975 | 2400 | Appraisal - 1025 |  | N/A |  |  | 1975 | Actual In Place Rent | No | 77.15 | 1.29 | 1.296 | 1523.74 | 1000 | XXXX | 12 | 975 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1975 |  |  |  |  |  |  | No | No | 10 | 1 | 1 | N/A | 109.92 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 678136 | 2065274 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3235 | Appraisal - 1007 |  | N/A |  |  | 3235 | Appraisal - 1007 | No | 81.3 | 1.23 | 1.23 | 2630.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43810 |  |  |  | 3235 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 9.71 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 679316 | 2065255 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 1950 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 105.12 |  | 0 | 1997.23 | 1950 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11983 |  | XXXX |  | 1900 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 10.15 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 688855 | 2070869 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 3050 | 5245.08 | Rent Estimate - Other |  | N/A |  |  | 5245.08 | Rent Estimate - Other | No | 98.72 | 1.01 | 1.013 | 5178.18 | 1150 | XXXX | 1 | 1100 | XXXX | 1 | 800 | XXXX | 1 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | Yes | 61000 |  |  |  | 5245.08 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.5 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 699959 | 2064380 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 1100 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1100 | Actual In Place Rent | No | 135.71 | 0 | 0 | 1492.86 | 1100 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1100 |  |  |  |  |  |  | No | No | 9 | 1 | 1 | N/A | 90.9 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| 699964 | 2064378 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3000 | Appraisal - 1025 |  | N/A |  |  | 3000 | Appraisal - 1025 | No | 119.7 | 0 | 0 | 3591.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54800 |  | 0 |  | 3000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 17.11 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 707962 | 2064368 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 75.07 | 1.332 | 1.332 | 1351.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  | XXXX |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 24.52 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 707970 | 2064374 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 99.56 | 1.002 | 1.004 | 1841.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1850 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 98.1 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| 713710 | 2066963 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1917 | Appraisal - 1007 |  | N/A |  |  | 1917 | Appraisal - 1007 | No | 88.64 | 1.128 | 1.128 | 1699.25 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 1917 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 720281 | 2059639 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6540 | 6800 | Rent Estimate - Other |  | N/A |  |  | 6540 | Actual In Place Rent | No | 53.36 | 1.86 | 1.874 | 3489.66 | 1225 | XXXX | 12 | 1000 | XXXX | 12 | 915 | XXXX | 1 | 1000 | XXXX | 12 | 1200 | XXXX | 12 | 1200 | XXXX | 12 |  |  |  |  | Yes | 72000 |  |  |  | 6540 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 8.4 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 721094 | 2066962 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5600 | Rent Estimate - Other |  | N/A |  |  | 5600 | Rent Estimate - Other | No | 83.11 | 1.203 | 1.203 | 4653.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  |  |  | 5600 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 6.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 721096 | 2066966 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4680 | 3375 | Appraisal - 1007 |  | N/A |  |  | 3375 | Appraisal - 1007 | No | 92.48 | 1.08 | 1.081 | 3121.17 | 4680 | XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45600 |  | XXXX |  | 3375 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 117.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 731230 | 2068708 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 5895 | 6750 | Rent Estimate - Other |  | N/A |  |  | 5895 | Actual In Place Rent | No | 81.48 | 1.227 | 1.227 | 4803.09 | 938 | XXXX | 1 | 907 | XXXX | 1 | 1350 |  |  | 1350 |  |  | 1350 |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 5895 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 19.83 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| 734215 | 2070871 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9460 | 12000 | Rent Estimate - Other |  | N/A |  |  | 9460 | Actual In Place Rent | No | 78.78 | 1.269 | 1.269 | 7452.8 | 1500 | XXXX | 12 | 1750 | XXXX | 12 | 1680 | XXXX | 12 | 1280 | XXXX | 12 | 1600 | XXXX | 12 | 1650 | XXXX | 12 |  |  |  |  | Yes | 57000 |  |  |  | 9460 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 21.9 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| 736616 | 2070874 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1475 | 1475 | Appraisal - 1025 |  | N/A |  |  | 1475 | Appraisal - 1025 | No | 91.83 | 1.089 | 1.089 | 1354.45 | 1000 | XXXX | 1 | 475 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29736 |  |  |  | 1475 |  |  |  |  |  |  | No | No | 11.7 | 1 | 1 | N/A | 102.26 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2070877 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2070877 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2070877 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2070877 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2043085 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2043084 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 2043084 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 2043084 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 2043084 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2065242 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2043086 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 2065250 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065268 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065268 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065268 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065268 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065268 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065268 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065236 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 2065236 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065236 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065253 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2065253 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065253 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065240 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065258 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065258 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065251 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065251 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065251 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065251 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065271 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065271 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2065271 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065238 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 2065238 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065269 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065269 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065246 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065246 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065246 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2065266 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2065266 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2065267 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2065267 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065267 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2065257 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2065257 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2065257 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065257 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065252 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065252 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065252 |  |  | XXXX | XXXX | finalCdDetailPage | XXXX | XXXX | XXXX |
| 2065252 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065270 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2065273 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2065248 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2065249 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2065259 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
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| 2065245 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065245 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2065245 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065245 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2065239 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2065263 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065263 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065263 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065241 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065241 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 2065241 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065262 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065262 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065262 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2065244 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2065244 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2065244 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 2065254 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 2065254 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
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| 2064365 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2064375 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 2064375 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2064357 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2064443 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| 2066962 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2066962 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
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| 2067000 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2068708 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2068708 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
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| 2070871 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 2070871 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 2070874 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt2025-abs15g.htm)

**Exhibit 99.11 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 2070877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 754 | 745 | 830 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 8.77 | 48852.74 | XXXX | XXXX | 69.77 | 69.77 | 69.77 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.375 | 7.375 | 3961.02 | 3961.02 | 0 | 5571.79 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 11721.88 | 0 | 1 | 1800 | 383 | 4 | 0 | 0.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2043085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 812 | 809 | 815 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 796 | 802 | 775 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 37.31 | 51.67 | 35844.50 | .00 | .00 | .00 | 35844.50 | Employed | Not Employed |  |  | 25.59 |  |  |  | Yes | 17323.22 | 18521.28 | No Escrow | 16.65 | 222672.98 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LoanStream - A+ | 6.999 | 6.999 | 8585.44 | 11411.52 | 0 | 10546.98 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1790 | 2 | 38000 | 258 | 4 | 0.009830024282245393 | 10.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2043084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 781 | 787 | 686 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 39.37 | 39.7 | 19745.00 | .00 | .00 | .00 | 19745.00 | Employed |  |  |  | 1.91 |  |  |  | NA | 11906.05 | 7838.95 | No Escrow | 31.91 | 248071.04 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LoanStream - A+ | 7.25 | 7.25 | 6718.07 | 6718.07 | 0 | 7773.95 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 205570.87 | 3964.6 | 1 | 10000 | 136 | 5 | 0.03995515695067264 | 2.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 810 | 810 | 822 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 13.54 | 31.96 | 5607.00 | .00 | .00 | .00 | 5607.00 | Employed |  |  |  | 12.24 |  |  |  | 3 YRS | 3814.74 | 1792.26 | Taxes and Insurance | 88.91 | 231108.55 | XXXX | XXXX | 79.42 | 79.42 | 79.42 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 9 | 9 | 2027.01 | 2027.01 | 494.16 | 2599.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 1595 | 1 | 32100 | 191 | 3 | 0.005856873822975518 | 0.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2043086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 683 | 697 | 650 | 683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 701 | 701 | 676 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 8.96 | 18.72 | 3150.00 | 41829.40 | .00 | .00 | 44979.40 | Employed | Employed |  |  | 2.01 | 30.96 |  |  | 2 YRS | 36561.03 | 8418.37 | Taxes and Insurance | 27.06 | 109099.74 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | LoanStream - A+ | 7.999 | 7.999 | 3198.91 | 3198.91 | 832.57 | 4031.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 109099.74 | 1995 | 1 | 29597 | 291 | 21 | 0.694128582773807 | 8.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2065250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 775 | 775 | 739 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 774 | 792 | 752 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4109 | Taxes and Insurance | 8.06 | 14973.53 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.5 | 7.5 | 1594.21 | 1594.21 | 455.92 | 2050.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 6547.16 | 3 | 26543 | 431 | 15 | 0.13066567864641226 | 27.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 773 |  | 804 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 |  | 804 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 13.21 | 13.62 | 21703.08 | 2033.20 | .00 | .00 | 23736.28 | Not Employed | Not Employed |  |  |  |  |  |  | NA | 20503.87 | 3232.41 | Taxes and Insurance | 418.8 | 1312705.03 | XXXX | XXXX | 18.92 | 18.92 | 18.92 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 2507.44 | 2507.44 | 502.97 | 3134.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2040 | 1 | 32400 | 236 | 2 | 0.13338541666666667 | 5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2059639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 712 | 702 | 712 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 49.99 | 49.99 | 13601.63 | .00 | .00 | .00 | 13601.63 | Employed |  |  |  | 2.84 |  |  |  | NA | 6801.77 | 6799.86 | Taxes and Insurance | 10.14 | 68961.61 | XXXX | XXXX | 78.98 | 78.98 | 78.98 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.5 | 7.5 | 5516.8 | 5516.8 | 1253.89 | 6799.86 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 15952.5 | 1 | 14200 | 135 | 5 | 0.13741463414634147 | 6.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 785 | 785 | 786 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.94 | 35.69 | 6128.64 | .00 | .00 | .00 | 6128.64 | Employed |  |  |  | 3.38 |  |  |  | 3 YRS | 3941.52 | 2187.12 | Taxes and Insurance | 19.18 | 41061.62 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.875 | 7.875 | 1762.24 | 1762.24 | 378.88 | 2141.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6830.53 | 2 | 10000 | 222 | 3 | 0.056545454545454545 | 1.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 774 | 742 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 40.73 | 48.03 | 7881.89 | .00 | .00 | .00 | 7881.89 | Not Employed |  |  |  |  |  |  |  | 3 YRS | 4096.52 | 3785.37 | Taxes and Insurance | 185.71 | 596208.52 | XXXX | XXXX | 58.54 | 58.54 | 58.54 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.625 | 7.625 | 2123.38 | 2123.38 | 621.67 | 3210.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4550 | 1 | 71000 | 278 | 2 | 0 | 0.58 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 752 | 740 | 734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.09 | 37.23 | 8457.33 | .00 | .00 | .00 | 8457.33 | Employed |  |  |  | 5.78 |  |  |  | NA | 5308.5 | 3148.83 | Taxes and Insurance | 41.44 | 73911.47 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 1535.99 | 1535.99 | 247.51 | 1783.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2527.64 | 2 | 22500 | 208 | 6 | 0.17849878934624697 | 3.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 717 | 717 | 759 | 689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1755 | Taxes and Insurance | 10.63 | 17095.97 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.75 | 7.75 | 1262.68 | 1262.68 | 345.52 | 1608.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5433.73 | 1 | 63715 | 224 | 8 | 0.15493037153971922 | 10 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 779 | 815 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 805 | 795 | 805 | 807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 7.28 | 7.28 |  |  |  |  | 3074 | Taxes and Insurance | 527.63 | 1513131.72 | XXXX | XXXX | 69.29 | 69.29 | 69.29 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.125 | 7.125 | 2306.14 | 2306.14 | 349.69 | 2867.81 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 20722.72 | 2 | 33000 | 276 | 6 | 0.22413087934560327 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 723 | 723 | 705 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 704 | 704 | 696 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 775 | 775 | 773 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.98 | 39.23 | .00 | 66687.50 | 66687.50 | .00 | 133375.00 | Not Employed | Employed | Employed |  |  | 6.69 | 6.69 |  | 3 YRS | 88603.08 | 52321.92 | Taxes and Insurance | 8.9 | 142302.65 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 8.875 | 8.875 | 8234.92 | 8234.92 | 187.02 | 15981.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3 | 0 | 1595 | 10 | 41032 | 215 | 3 | 0.2066294117647059 | 2.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 791 | 791 | 774 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 13.81 | 47.03 | 55661.85 | .00 | .00 | .00 | 55661.85 | Employed |  |  |  | 20.58 |  |  |  | 3 YRS | 29486.46 | 26175.39 | Insurance | 151.92 | 1519338.38 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 6877.56 | 6877.56 | 134.25 | 10000.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9296 | 3 | 201809 | 250 | 7 | 0.0034632412818360794 | 7.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 788 | 788 | 811 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 5.61 | 29.51 | 22166.27 | .00 | .00 | .00 | 22166.27 | Employed |  |  |  | 5.43 |  |  |  | 3 YRS | 15625.84 | 6540.43 | Taxes and Insurance | 46.28 | 203777.66 | XXXX | XXXX | 74.85 | 74.85 | 74.85 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 8.5 | 8.5 | 2935.33 | 2935.33 | 1251.2 | 4403.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0 | 1 | 300000 | 244 | 7 | 0.01617669852751227 | 22.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 750 | 702 | 754 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 49.19 | 49.3 | 21669.66 | .00 | .00 | .00 | 21669.66 | Employed |  |  |  | 8.37 |  |  |  | 3 YRS | 10985.77 | 10683.89 | Taxes and Insurance | 84.93 | 905301.08 | XXXX | XXXX | 26.53 | 26.53 | 26.53 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.5 | 7.5 | 8810.1 | 8810.1 | 1848.79 | 10658.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 905301.08 | 13376 | 1 | 33500 | 493 | 7 | 0.4606684594698425 | 24.92 | No | XXXX | Manual Underwriting | 37315.04 |  | No | No | XXXX | XXXX | No |
|  | 2065246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 787 | 757 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3324.12 | No Escrow | 107.24 | 127498.75 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.375 | 7.375 | 953.13 | 953.13 | 0 | 1188.95 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 127498.75 | 7956.8 | 16 | 30759 | 234 | 16 | 0.10757009345794392 | 4.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 781 | 798 | 781 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 799 | 799 | 800 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 3.06 | 39.35 | 45113.40 | .00 | .00 | .00 | 45113.40 | Employed | Not Employed |  |  | 17.87 |  |  |  | 3 YRS | 27363.15 | 17750.25 | Taxes and Insurance | 44.12 | 474058.14 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 6103.13 | 7757.96 | 1999.99 | 10745.11 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 12853.25 | 3 | 59000 | 209 | 4 | 0.12265591397849462 | 10.75 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 672 | 672 | 776 | 668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 0 | 40.06 | 4636.08 | .00 | .00 | .00 | 4636.08 | Employed |  |  |  | 2.75 |  |  |  | 3 YRS | 2778.89 | 1857.19 | Taxes and Insurance | 38.64 | 55981.31 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 8.25 | 8.25 | 841.42 | 841.42 | 220.46 | 1448.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5761.4 | 1 | 10500 | 106 | 3 | 0 | 5.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 739 | 725 | 739 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 783 | 782 | 783 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 4.28 | 17.05 | 99403.00 | .00 | .00 | .00 | 99403.00 | Employed | Not Employed |  |  | 16.57 | 7.31 |  |  | NA | 82453.56 | 16949.44 | No Escrow | 258.79 | 1400258.18 | XXXX | XXXX | 65.98 | 65.98 | 65.98 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.5 | 7.5 | 2237.49 | 2237.49 | 0 | 5410.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 305558.01 | 11047 | 6 | 34000 | 419 | 8 | 0.3210884228735569 | 8.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 780 | 793 | 773 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Full Doc | Investment | Refinance |  | 7.37 | 33.87 | 18481.00 | .00 | .00 | .00 | 18481.00 | Not Employed |  |  |  |  |  |  |  | NA | 12221.32 | 6259.68 | No Escrow | 34.4 | 201072.63 | XXXX | XXXX | 64.43 | 64.43 | 64.43 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 4477.58 | 4477.58 | 0 | 5845.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 14001.25 | 2 | 29600 | 239 | 1 | 0.15489864864864866 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 766 | 764 | 800 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 774 | 781 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 13.47 | 20.47 | 7721.62 | 7178.26 | .00 | .00 | 14899.88 | Employed | Employed |  |  | 18.72 | 9.25 |  |  | 3 YRS | 11849.32 | 3050.56 | No Escrow | 40.46 | 67665.44 | XXXX | XXXX | 50 | 50 | 50 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.125 | 7.125 | 1179.01 | 1179.01 | 0 | 1672.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3537.5 | 2 | 18242 | 285 | 7 | 0.021326352530541014 | 16.50 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 794 | 799 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 791 | 793 | 791 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 7 | 16.26 | 35212.58 | .00 | .00 | .00 | 35212.58 | Employed | Not Employed |  |  | 23.38 |  |  |  | 3 YRS | 29486.94 | 5725.64 | Taxes and Insurance | 144.16 | 453063.52 | XXXX | XXXX | 26.92 | 26.92 | 26.92 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.875 | 7.875 | 1268.87 | 1268.87 | 713.04 | 3142.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | VE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1787.5 | 2 | 30900 | 251 | 1 | 0.18533980582524273 | 5.92 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 744 | 741 | 770 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 30.86 | 49.19 | 41666.67 | .00 | .00 | .00 | 41666.67 | Employed |  |  |  | 5.28 |  |  |  | 3 YRS | 21168.89 | 20497.78 | Taxes and Insurance | 12.32 | 158450.95 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | ARM | Northpointe Prime Non-Agency | 8.25 | 8.25 | 11392.96 | 11392.96 | 1338.84 | 12856.8 | XXXX | ARM | 360 | 360 | XXXX | 3.75 | Nearest | 0.125 | 45 Days | SOFR 30 Day Average | 4.301159999999999 | 5 | 1 | 8.25 | 8.25 | 13.25 | 13.25 | XX/XX/XXXX | XX/XX/XXXX | 6 | 6 | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 975 | 2 | 93895 | 98 | 6 | 0.3578217821782178 | 0.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 758 | 743 | 758 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 12.46 | 24.99 | 12532.00 | .00 | .00 | .00 | 12532.00 | Employed |  |  |  | 15.06 |  |  |  | 3 YRS | 9400.06 | 3131.94 | Taxes and Insurance | 54.06 | 165389.63 | XXXX | XXXX | 74.47 | 74.47 | 74.47 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.875 | 7.875 | 2537.74 | 2537.74 | 498.07 | 3059.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 87463.46 | 6617.5 | 2 | 28000 | 233 | 1 | 0.7142857142857143 | 10.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2059633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 764 | 788 | 774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 799 | 808 | 787 | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 4.7 | 4.72 | .00 | 209600.26 | .00 | .00 | 209600.26 | Not Employed | Employed |  |  |  | 16.33 |  |  | NA | 199703.12 | 9897.14 | Taxes and Insurance | 36.35 | 358293.52 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.25 | 7.25 | 8186.12 | 8186.12 | 1671.02 | 9857.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 358293.52 | 3640 | 1 | 39100 | 223 | 8 | 0.010493664202745513 | 3.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 769 | 769 | 754 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 746 | 752 | 746 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 16.83 | 34.04 | 142696.00 | .00 | .00 | .00 | 142696.00 | Employed | Not Employed |  |  | 13.33 |  |  |  | 3 YRS | 94125.71 | 48570.29 | Taxes and Insurance | 15.11 | 201407.6 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 8.75 | 8.75 | 11328.49 | 11328.49 | 1757.8 | 13332.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 18025.4 | 2 | 219929 | 245 | 17 | 0.1455632639577139 | 1.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 787 | 798 | 787 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 811 | 803 | 815 | 811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.29 | 27.8 | 55786.71 | .00 | .00 | .00 | 55786.71 | Employed | Not Employed |  |  | 11.84 |  |  |  | 3 YRS | 40280.78 | 15505.93 | No Escrow | 14.46 | 123355.62 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.375 | 7.375 | 6077.94 | 6077.94 | 0 | 8527.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10368.6 | 2 | 99900 | 286 | 16 | 0.459330985915493 | 5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 798 | 798 | 784 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 809 | 796 | 822 | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 9 | 32.4 | 4173.65 | 1139.00 | .00 | .00 | 5312.65 | Not Employed | Not Employed |  |  |  |  |  |  | 3 YRS | 3591.56 | 1721.09 | Taxes | 49.03 | 132806.97 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.875 | 7.875 | 1903.31 | 1903.31 | 199.6 | 2708.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 6831.88 | 1 | 16743 | 410 | 3 | 0.009966954482464556 | 27.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 765 | 745 | 767 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 37.11 | 43.65 | 29765.37 | .00 | .00 | .00 | 29765.37 | Employed |  |  |  | 1.89 |  |  |  | 3 YRS | 16774.18 | 12991.19 | Taxes and Insurance | 73.37 | 810436.81 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.5 | 7.5 | 7872.46 | 7872.46 | 2648.73 | 11046.19 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 38017.87 | 1 | 415715 | 273 | 17 | 0 | 5.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | false | XXXX | 773 | 773 | 767 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.64 | 18.58 | 78386.13 | .00 | .00 | .00 | 78386.13 | Employed |  |  |  | 7.05 |  |  |  | 3 YRS | 63818.84 | 14567.29 | Taxes and Insurance | 9.51 | 86739.82 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.5 | 7.5 | 8275.12 | 8275.12 | 720.92 | 9121.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6743.17 | 2 | 38400 | 117 | 5 | 0.003137516688918558 | 5.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2059627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 801 | 801 | 804 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 6.17 | 9.88 | 60120.42 | .00 | .00 | .00 | 60120.42 | Employed |  |  |  | 5.45 |  |  |  | NA | 54180.54 | 5939.88 | Taxes and Insurance | 4.26 | 15825.85 | XXXX | XXXX | 89.55 | 89.55 | 89.55 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.5 | 7.5 | 2714.35 | 2714.35 | 943.41 | 3710.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 5832 | 3 | 19500 | 278 | 2 | 0 | 3 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2070878 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 666 | 651 | 666 | 677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1529 | Taxes and Insurance | 72.86 | 374382.8 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.875 | 7.875 | 4263.41 | 4263.41 | 841.32 | 5138.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4410 | 3 | 61796 | 224 | 8 | 0.15792141550305325 | 11.17 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2059634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | true | XXXX | 782 | 782 | 807 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 39.63 | 40.63 | 8179.32 | .00 | .00 | .00 | 8179.32 | Employed |  |  |  | 15.41 |  |  |  | NA | 4855.95 | 3323.37 | Taxes and Insurance | 6.32 | 20480.26 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.125 | 7.125 | 2566.87 | 2566.87 | 674.5 | 3241.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 7301.25 | 1 | 16000 | 210 | 6 | 0.023338768854463923 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 744 | 744 | 746 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 30.33 | 42.98 | 9952.51 | .00 | .00 | .00 | 9952.51 | Employed |  |  |  | 2.87 |  |  |  | 3 YRS | 5674.81 | 4277.7 | Taxes and Insurance | 12.57 | 37954.64 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 2693.14 | 2693.14 | 325.57 | 3018.7 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1520 | 1 | 28919 | 79 | 13 | 0.25257627118644066 | 19.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 742 | 742 | 769 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 737 | 737 | 742 | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  | 24.28 |  |  |  |  | 5555.51 | No Escrow | 50.77 | 49608.03 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.875 | 7.875 | 754.07 | 754.07 | 0 | 977.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 3723.88 | 4 | 12831 | 214 | 19 | 0.2166027397260274 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 751 | 757 | 751 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 16.57 | 51.38 | 17641.45 | .00 | .00 | .00 | 17641.45 | Employed |  |  |  | 3.22 |  |  |  | 3 YRS | 8576.53 | 9064.92 | Taxes and Insurance | 72.9 | 213171.76 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 9.25 | 9.25 | 2442.61 | 2442.61 | 481.4 | 2924 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4537.38 | 3 | 35000 | 177 | 8 | 0.1370358814352574 | 1.50 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2065262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 788 | 751 | 788 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.6 | 46.9 | 6659.76 | .00 | .00 | .00 | 6659.76 | Employed |  |  |  | 1.43 |  |  |  | 3 YRS | 3536.4 | 3123.36 | No Escrow | 74.39 | 181316.18 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.5 | 7.5 | 1929.83 | 1929.83 | 0 | 2437.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3968.6 | 1 | 41367 | 269 | 21 | 0.019356617647058823 | 1.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 793 | 793 | 768 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 800 | 780 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5664 | Taxes and Insurance | 20.47 | 53627.32 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.5 | 7.5 | 1756.78 | 1756.78 | 238.21 | 2619.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 0 | 3 | 20000 | 263 | 2 | 0.09665178571428572 | 5.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2059636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 804 | 808 | 804 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 10.6 | 24.86 | 23267.06 | .00 | .00 | .00 | 23267.06 | Employed |  |  |  | 11.08 |  |  |  | NA | 17482.45 | 5784.61 | Taxes and Insurance | 59.56 | 146849.77 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 2022.94 | 2022.94 | 442.67 | 2465.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 146849.77 | 2145 | 1 | 35513 | 266 | 11 | 0.021419878296146045 | 12.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 722 | 0 | 0 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 769 | 767 | 771 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 13.42 | 24.49 | 4580.62 | 49376.87 | .00 | .00 | 53957.49 | Employed | Not Employed |  |  | 2.35 |  |  |  | 3 YRS | 44505.02 | 13215.64 | Taxes and Insurance | 590.4 | 4273991.32 | XXXX | XXXX | 44.16 | 44.16 | 44.16 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.5 | 7.5 | 2272.45 | 2272.45 | 124.53 | 7239.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 5262.5 | 3 | 21000 | 489 | 1 | 0.08064620837850646 | 0.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 787 | 757 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 21305.33 | No Escrow | 23.67 | 62732.99 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.5 | 7.5 | 1398.43 | 1398.43 | 0 | 2650.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7939 | 18 | 30759 | 234 | 15 | 0.10757009345794392 | 4.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 703 | 702 | 710 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 18.94 |  |  |  |  |  | 13217.64 | Taxes and Insurance | 76.21 | 109551.86 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.875 | 7.875 | 1091.23 | 1091.23 | 346.23 | 1437.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 109551.86 | 5804.49 | 9 | 25528 | 604 | 10 | 0.6598712998712999 | 30.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 790 | 797 | 790 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 9.14 | 30.41 | 22561.00 | .00 | .00 | .00 | 22561.00 | Employed |  |  |  | 14.44 |  |  |  | 3 YRS | 15699.65 | 6861.35 | Taxes and Insurance | 74.05 | 157247.17 | XXXX | XXXX | 72.02 | 72.02 | 72.02 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.75 | 7.75 | 1862.67 | 1862.67 | 260.97 | 2123.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 157247.17 | 3506 | 4 | 50509 | 364 | 5 | 0.016214549938347717 | 4.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 778 | 778 | 786 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.1 |  |  |  |  |  | 3079 | No Escrow | 109.92 | 167483.55 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 6.875 | 6.875 | 1182.47 | 1182.47 | 0 | 1523.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 1%, 1%, 1% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 167483.55 | 7754.6 | 1 | 30300 | 250 | 5 | 0.20301006404391583 | 0.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 804 | 805 | 800 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.6 | 46.7 | 73942.71 | .00 | .00 | .00 | 73942.71 | Not Employed |  |  |  |  |  |  |  | NA | 39409.4 | 34533.31 | No Escrow | 76.42 | 1841999.31 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 7.625 | 7.625 | 19110.43 | 19110.43 | 0 | 24104.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 31565 | 1 | 103255 | 450 | 9 | 0.10332309791879904 | 18.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 771 | 781 | 771 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 793 | 744 | 793 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.36 | 49.49 | 19960.75 | 4410.00 | .00 | .00 | 24370.75 | Employed | Employed |  |  | 17.23 | 4.89 |  |  | 3 YRS | 12308.55 | 12062.2 | Taxes and Insurance | 6.96 | 54921.67 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 8.75 | 8.75 | 6478.48 | 6478.48 | 1407.02 | 7885.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1595 | 3 | 73217 | 402 | 12 | 0.06343007915567282 | 6.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2065274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 778 | 776 | 778 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8503.73 | Taxes and Insurance | 9.71 | 25525.93 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | Northpointe Investor Cash Flow | 7.5 | 7.5 | 2013.74 | 2013.74 | 595.59 | 2630.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5906.36 | 4 | 35000 | 449 | 8 | 0.08812876052948256 | 12.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2065255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 766 | 766 | 776 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | Full Doc | Investment | Refinance | Rate and Term | 25.17 | 40.87 | 7106.67 | .00 | .00 | .00 | 7106.67 | Employed |  |  |  | 2.04 |  |  |  | 3 YRS | 4202.44 | 2904.23 | Taxes and Insurance | 10.15 | 20272.3 | XXXX | XXXX | 79.07 | 79.07 | 79.07 | XXXX | XXXX | XXXX | Conventional | Fixed | Northpointe Prime Non-Agency | 8.5 | 8.5 | 1307.15 | 1307.15 | 120.08 | 1997.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5340.1 | 2 | 15864 | 149 | 4 | 0.014905660377358491 | 5.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2068710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 726 | 741 | 725 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 747 | 729 | 755 | 747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.83 | 34.55 | 10717.02 | 24057.42 | .00 | .00 | 34774.44 | Employed | Employed |  |  | 5.24 | 3.38 |  |  | NA | 22761.23 | 12013.21 | Taxes and Insurance | 8.78 | 54435.38 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 8.5 | 8.5 | 5536.18 | 5536.18 | 663.03 | 6199.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2145 | 2 | 3000 | 224 | 3 | 0.4908339239310182 | 4.16 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2070869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 771 | 774 | 771 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4107 | Taxes and Insurance | 12.5 | 64710.92 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.25 | 7.25 | 3676.93 | 3676.93 | 1501.25 | 5178.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 15496.25 | 2 | 29700 | 145 | 14 | 0.03190501319261214 | 10.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2064361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 687 | 687 | 722 | 686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 2.46 | 31.3 | 84752.78 | .00 | .00 | .00 | 84752.78 | Employed |  |  |  | 14.49 |  |  |  | NA | 58224.11 | 26528.67 | No Escrow | 32 | 116455.47 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.75 | 7.75 | 2364.16 | 2364.16 | 0 | 3638.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3560.1 | 2 | 109435 | 352 | 28 | 0.3680734998564456 | 13.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 747 | 744 | 747 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.87 | 31.33 | 41550.82 | .00 | .00 | .00 | 41550.82 | Employed |  |  |  | 4.47 |  |  |  | NA | 28533.66 | 13017.16 | Taxes and Insurance | 41.36 | 255461.68 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.25 | 7.25 | 5075.39 | 5075.39 | 1101.5 | 6176.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 17125.6 | 2 | 31800 | 165 | 9 | 0.14420502775057134 | 2.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 737 | 698 | 737 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 752 | 752 | 787 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36 | 49.9 | 4921.28 | 3061.75 | .00 | .00 | 7983.03 | Employed | Employed |  |  | 2.2 | 2.11 |  |  | Yes | 3999.17 | 3983.86 | Taxes and Insurance | 7.8 | 22422.6 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.625 | 7.625 | 2293.25 | 2293.25 | 318.61 | 2873.86 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 3320.4 | 1 | 38735 | 50 | 3 | 0.07948220064724919 | 1.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 787 | 787 | 806 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.82 | 37.34 | 7266.37 | .00 | .00 | .00 | 7266.37 | Employed |  |  |  | 14.87 |  |  |  | 2 YRS | 4553.36 | 2713.01 | Taxes and Insurance | 11.43 | 23925.38 | XXXX | XXXX | 49.75 | 49.75 | 49.75 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 1290.92 | 1290.92 | 441.09 | 2094.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3028.4 | 2 | 26400 | 446 | 9 | 0.0639612689915768 | 16.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 723 | 723 | 740 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 14.44 | 15.79 | 15711.00 | .00 | .00 | .00 | 15711.00 | Employed |  |  |  | 15.28 |  |  |  | Yes | 13230.15 | 2480.85 | Taxes and Insurance | 18.7 | 42425.58 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.625 | 7.625 | 1990.67 | 1990.67 | 278.18 | 2268.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 195680.39 | 2479.69 | 1 | 5050 | 204 | 8 | 0.1976923076923077 | 12 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 760 | 756 | 760 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 2.62 | 23.02 | 14049.70 | .00 | .00 | .00 | 14049.70 | Employed |  |  |  | 21.3 |  |  |  | NA | 10815.95 | 3233.75 | No Escrow | 90.9 | 135707.89 | XXXX | XXXX | 69.51 | 69.51 | 69.51 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 1033.22 | 1033.22 | 0 | 1492.86 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 135707.89 | 2315.63 | 1 | 45263 | 146 | 4 | 0.07907518296739853 | 20 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2064358 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 680 | 753 | 680 | 677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.3 | 29.49 | 9746.46 | .00 | .00 | .00 | 9746.46 | Employed |  |  |  | 1.64 |  |  |  | 2 YRS | 6872.59 | 2873.87 | Taxes and Insurance | 9 | 24820.83 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 1954.79 | 1954.79 | 803.08 | 2757.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 5428.5599999999995 | 1 | 9500 | 48 | 2 | 0.1823076923076923 | 1.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 719 | 729 | 719 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.22 | 44.26 | 39461.00 | .00 | .00 | .00 | 39461.00 | Employed |  |  |  | 3.73 |  |  |  | Yes | 21993.61 | 17467.39 | Taxes and Insurance | 19.73 | 118501.91 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.5 | 7.5 | 4782.63 | 4782.63 | 1124.38 | 6007 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2120 | 2 | 65402 | 189 | 21 | 0.026642857142857142 | 3.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 763 | 763 | 775 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MN | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.8 | 44.27 | 6092.21 | .00 | .00 | .00 | 6092.21 | Employed |  |  |  | 7.27 |  |  |  | 2 YRS | 3395.24 | 2696.97 | Taxes and Insurance | 29.9 | 65209.71 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 1519.37 | 1519.37 | 296.61 | 2180.97 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3526.85 | 1 | 35000 | 317 | 2 | 0.07633043478260869 | 1.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 713 | 713 | 700 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 12.36 | 20.32 | 64427.06 | .00 | .00 | .00 | 64427.06 | Employed |  |  |  | 5.39 |  |  |  | NA | 51335.31 | 13091.75 | Taxes | 15.26 | 121491.07 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.75 | 7.75 | 6590.99 | 6590.99 | 1224.58 | 7963.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 198.27 | 1425 | 2 | 27900 | 226 | 8 | 0.6423802395209581 | 1.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 726 | 734 | 718 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 21.01 | 31.23 | 30898.00 | .00 | .00 | .00 | 30898.00 | Employed |  |  |  | 5.97 |  |  |  | Yes | 21249.31 | 9648.69 | Taxes and Insurance | 17.11 | 61450.21 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 2929.28 | 2929.28 | 661.77 | 3591.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7020.4 | 2 | 37655 | 225 | 11 | 0.2546262458471761 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2064370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 774 | 774 | 799 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | true | XXXX | 746 | 731 | 769 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 810 | 810 | 835 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 20.44 | 24.59 | 17860.84 | 8455.33 | 17860.84 | .00 | 44177.01 | Employed | Employed | Employed |  | 11.64 | 5.04 | 11.64 |  | 2 YRS | 34923.63 | 10861.05 | Taxes and Insurance | 53.84 | 486112.06 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 6.875 | 6.875 | 5754.7 | 5754.7 | 1331.68 | 9029.05 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3 | 0 | 1425 | 1 | 41400 | 362 | 3 | 0.1308991825613079 | 1.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2068707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 803 | 813 | 803 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 808 | 805 | 811 | 808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.45 | 38.11 | 15555.47 | .00 | .00 | .00 | 15555.47 | Employed | Not Employed |  |  |  |  |  |  | NA | 9627.73 | 5927.74 | Taxes and Insurance | 23.5 | 129582.08 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 6.625 | 6.625 | 5071.26 | 5071.26 | 443.48 | 5514.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 26250 | 1 | 13000 | 223 | 5 | 0.0016206896551724137 | 2.42 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 797 | 797 | 805 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.62 | 28.56 | 18459.62 | .00 | .00 | .00 | 18459.62 | Employed |  |  |  | 2.09 |  |  |  | NA | 13187.86 | 5271.76 | Taxes and Insurance | 22.66 | 61145.43 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 7.125 | 7.125 | 2102 | 2102 | 596.76 | 2698.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2986.4 | 1 | 31348 | 142 | 6 | 0 | 1.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 793 | 793 | 801 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 41.87 | 41.87 | 6448.32 | .00 | .00 | .00 | 6448.32 | Employed |  |  |  | 5.32 |  |  |  | NA | 3748.52 | 2699.8 | Taxes and Insurance | 25.73 | 58109.29 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.25 | 7.25 | 1745.83 | 1745.83 | 376.97 | 2699.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 1 | 19000 | 241 | 5 | 0 | 7.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 800 | 800 | 822 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 742 | 731 | 766 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.93 | 26.21 | 10998.88 | .00 | .00 | .00 | 10998.88 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 8116.47 | 2882.41 | No Escrow | 265.61 | 523695.32 | XXXX | XXXX | 44.21 | 44.21 | 44.21 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.375 | 7.375 | 1450.42 | 1450.42 | 0 | 1971.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1891.2 | 1 | 30000 | 230 | 5 | 0.059444337036994914 | 36.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 814 | 814 | 840 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 42.89 | 48.04 | 8548.00 | .00 | .00 | .00 | 8548.00 | Not Employed |  |  |  |  |  |  |  | Yes | 4441.79 | 4106.21 | Taxes and Insurance | 71.07 | 260574.1 | XXXX | XXXX | 79.94 | 79.94 | 79.94 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 3096.78 | 3096.78 | 480.93 | 3666.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 11353.55 | 1 | 17729 | 197 | 2 | 0.0216 | 0.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064373 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 764 | 790 | 764 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 30.11 | 43.99 | 27864.00 | .00 | .00 | .00 | 27864.00 | Employed |  |  |  | 6.47 |  |  |  | 2 YRS | 15608 | 12256 | Taxes and Insurance | 5.85 | 38136.73 | XXXX | XXXX | 76.15 | 76.15 | 76.15 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.125 | 7.125 | 5878.13 | 7749.92 | 639.08 | 6517.21 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 4481.72 | 1425 | 4 | 39800 | 195 | 8 | 0.08069875776397516 | 2.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 768 | 777 | 768 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 785 | 786 | 785 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 25.14 | 26.24 | 14465.91 | .00 | .00 | .00 | 14465.91 | Employed | Not Employed |  |  | 21.32 |  |  |  | 2 YRS | 10670.71 | 3795.2 | Taxes and Insurance | 184.63 | 671532.49 | XXXX | XXXX | 61.54 | 61.54 | 61.54 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7 | 7 | 3193.45 | 3193.45 | 443.75 | 3637.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 11581.8 | 1 | 18500 | 352 | 5 | 0.16290333583464084 | 19 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064372 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 751 | 751 | 760 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 10.74 | 44.64 | 20355.70 | .00 | .00 | .00 | 20355.70 | Employed |  |  |  | 7.5 |  |  |  | 2 YRS | 11268.12 | 9087.58 | Taxes and Insurance | 42.09 | 121677 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.875 | 7.875 | 1882.28 | 1882.28 | 1008.33 | 2890.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2074 | 3 | 51403 | 249 | 9 | 0 | 15.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 726 | 731 | 726 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.82 | 42.05 | 8106.86 | .00 | .00 | .00 | 8106.86 | Employed |  |  |  | 2.45 |  |  |  | NA | 4698.22 | 3408.64 | No Escrow | 7.76 | 23160.02 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.625 | 7.625 | 1899.72 | 1899.72 | 0 | 2984.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 1 | 72345 | 51 | 4 | 0.09146596858638743 | 1.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 708 | 715 | 703 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.21 | 46.19 | 7063.54 | .00 | .00 | .00 | 7063.54 | Employed |  |  |  | 16.36 |  |  |  | 2 YRS | 3800.58 | 3262.96 | No Escrow | 13.92 | 30056.96 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.5 | 7.5 | 1381.25 | 1780.36 | 0 | 2158.85 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 1 | 21000 | 231 | 19 | 0.29906715284108176 | 26 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 765 | 758 | 765 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 766 | 766 | 773 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 30.66 | 41.84 | 8063.36 | 16276.00 | .00 | .00 | 24339.36 | Employed | Employed |  |  | 6.89 | 2.49 |  |  | 2 YRS | 14156.9 | 10182.46 | Taxes and Insurance | 8.43 | 62866.99 | XXXX | XXXX | 69.03 | 69.03 | 69.03 | XXXX | XXXX | XXXX | Conventional | Fixed | Super Kind - Non-QM | 6.875 | 6.875 | 5636.45 | 5636.45 | 1589.74 | 7461.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 631.61 | 2420.2799999999997 | 3 | 36500 | 85 | 9 | 0.07587993221980151 | 1.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 791 | 800 | 791 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 35.68 | 41.85 | 6714.84 | .00 | .00 | .00 | 6714.84 | Employed |  |  |  | 1.65 |  |  |  | NA | 3904.69 | 2810.15 | Taxes and Insurance | 22.65 | 54269.55 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.375 | 7.375 | 1834.61 | 1834.61 | 311.54 | 2396.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1815.47 | 1 | 25000 | 237 | 8 | 0.02485467399842891 | 1 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064377 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 691 | 625 | 727 | 691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 691 | 685 | 691 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.37 | 22.74 | 31354.27 | .00 | .00 | .00 | 31354.27 | Employed | Not Employed |  |  | 1.34 |  |  |  | 2 YRS | 24225.39 | 7128.88 | Taxes and Insurance | 30.43 | 165760.21 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 8.375 | 8.375 | 4599.96 | 4599.96 | 846.92 | 5446.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 |  | 1 | 70235 | 136 | 5 | 0.114165518241822 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2064364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 743 | 688 | 766 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 49.83 | 49.83 | 15297.00 | .00 | .00 | .00 | 15297.00 | Employed |  |  |  | 25.5 |  |  |  | 2 YRS | 7674.84 | 7622.16 | No Escrow | 102.17 | 778767.85 | XXXX | XXXX | 38.1 | 38.1 | 38.1 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 6.875 | 6.875 | 5255.43 | 5255.43 | 0 | 7622.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 792859.01 | 1425 | 1 | 17462 | 384 | 9 | 0.09850292905185506 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 696 | 714 | 676 | 696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 744 | 742 | 756 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 24.67 | 46.35 | 10937.81 | .00 | .00 | .00 | 10937.81 | Employed | Not Employed |  |  | 8.1 |  |  |  | 2 YRS | 5867.93 | 5069.88 | Taxes and Insurance | 9.46 | 25536.36 | XXXX | XXXX | 69.74 | 69.74 | 69.74 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.75 | 7.75 | 2418.34 | 2418.34 | 251.37 | 2698.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 85744.36 |  | 2 | 43352 | 259 | 8 | 0.6427263479145473 | 20.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 734 | 734 | 743 | 705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 29.33 | 49.58 | 9781.62 | .00 | .00 | .00 | 9781.62 | Employed |  |  |  | 4.85 |  |  |  | NA | 4931.95 | 4849.67 | No Escrow | 3.45 | 9892.11 | XXXX | XXXX | 79.01 | 79.01 | 79.01 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.75 | 7.75 | 2292.52 | 2292.52 | 0 | 2868.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 84392.62 | 10295.4 | 2 | 41061 | 289 | 16 | 0.34528961711825495 | 10 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 812 | 810 | 812 | 816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 24.52 | 33130.93 | XXXX | XXXX | 54.35 | 54.35 | 54.35 | XXXX | XXXX | XXXX | DSCR | Fixed | Kind - DSCR | 7.875 | 7.875 | 906.34 | 906.34 | 444.98 | 1351.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3293.75 | 4 | 0 | 376 | 0 | 0 | 24.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2064381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 794 | 794 | 793 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.65 | 23.61 | 28303.00 | .00 | .00 | .00 | 28303.00 | Employed |  |  |  | 15.55 |  |  |  | Yes | 21619.43 | 6683.57 | Taxes and Insurance | 315.79 | 1309755.14 | XXXX | XXXX | 37.04 | 37.04 | 37.04 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 6.75 | 6.75 | 3242.99 | 3242.99 | 904.58 | 4147.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 2 | 28500 | 324 | 3 | 0.15191803278688523 | 4.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2064374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 685 | 629 | 685 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 18.46 |  |  |  |  |  | 1646.18 | No Escrow | 98.1 | 180699.11 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | Kind - DSCR | 9.25 | 9.25 | 1382.03 | 1382.03 | 0 | 1841.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4373.360000000001 | 2 | 0 | 189 | 0 | 0 | 16.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2066963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Foreign National | No | false | XXXX | 750 | 766 | 747 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1100 | Taxes and Insurance | 0 | -14373.38 | XXXX | XXXX | 74.97 | 74.97 | 74.97 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.625 | 7.625 | 1167.33 | 1167.33 | 276.92 | 1699.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4123.13 | 2 | 0 | 247 | 1 | 0 | 3.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2064443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 743 | 743 | 754 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 10.33 | 12.78 | 108665.01 | .00 | .00 | .00 | 108665.01 | Employed |  |  |  | 3.4 |  |  |  | NA | 94781.61 | 13883.4 | Taxes and Insurance | 58.8 | 659744.03 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 6.75 | 6.75 | 9583.04 | 9583.04 | 1637.36 | 11220.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 406724.26 | 17078.13 | 1 | 70419 | 92 | 4 | 0.0044 | 4.5 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2059639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 762 | 762 | 745 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5354 | Taxes and Insurance | 8.4 | 29328.46 | XXXX | XXXX | 63.49 | 63.49 | 63.49 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.25 | 7.25 | 2728.71 | 2728.71 | 758.8 | 3489.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 76003.49 | 0 | 12 | 57503 | 377 | 14 | 0.036903137789904505 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2066962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 784 | 783 | 784 | 799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6462 | Taxes and Insurance | 6.88 | 32026.48 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.75 | 7.75 | 3492.51 | 3492.51 | 1161.42 | 4653.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 465310.27 | 1950 | 2 | 31000 | 256 | 3 | 0.022161490683229812 | 4.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2070876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 769 | 769 | 769 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 793 | 775 | 793 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 44.1 | 49.48 | 16499.99 | 9433.37 | .00 | .00 | 25933.36 | Employed | Employed |  |  | 10.13 | 3.22 |  |  | 3 YRS | 13100.83 | 12832.53 | No Escrow | 6.92 | 79191.99 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Titanium Advantage | 7.125 | 7.125 | 9432.06 | 9432.06 | 0 | 11437.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 94511.99 | 2145 | 1 | 92500 | 285 | 5 | 0.47037823858125893 | 1 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 815 | 815 | 815 | 815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 40 | Taxes and Insurance | 117.95 | 368132.59 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.25 | 7.25 | 2612.05 | 2612.05 | 499.54 | 3121.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 368132.59 | 3829 | 1 | 25000 | 269 | 3 | 0.030175438596491227 | 15 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2067000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 704 | 722 | 692 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 28.36 | 48.89 | 16599.00 | .00 | .00 | .00 | 16599.00 | Employed |  |  |  | 1.88 |  |  |  | NA | 8483.11 | 8115.89 | Taxes and Insurance | 9 | 42376.14 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | A+ | 7.75 | 7.75 | 4153.4 | 4153.4 | 349.49 | 4707.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 21630.2 | 350 | 2 | 56897 | 245 | 11 | 0.9930557966737266 | 3.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2066964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 690 | 690 | 671 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 17.04 | 35.2 | 12309.39 | .00 | .00 | .00 | 12309.39 | Employed |  |  |  | 3.01 |  |  |  | NA | 7976.22 | 4333.17 | Taxes and Insurance | 64.36 | 134973.14 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.875 | 7.875 | 1609.6 | 1609.6 | 464.65 | 2097.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6389.84 | 1 | 38664 | 180 | 11 | 0.3023735810113519 | 4.33 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 2068708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 764 | 750 | 770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4350 | Taxes and Insurance | 19.83 | 95224.71 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.25 | 7.25 | 3485.92 | 3485.92 | 1317.17 | 4803.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0 | 5 | 5500 | 221 | 5 | 0 | 18 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2070875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 642 | 650 | 625 | 642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 670 | 685 | 670 | 655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 29.76 | 40.49 | 13842.64 | .00 | .00 | .00 | 13842.64 | Employed | Not Employed |  |  | 6.32 |  |  |  | NA | 8237.56 | 5605.08 | Taxes and Insurance | 25.67 | 105726.15 | XXXX | XXXX | 33.99 | 33.99 | 33.99 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.375 | 7.375 | 3591.51 | 3591.51 | 527.57 | 4119.08 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 144144.15 | 5395 | 1 | 30300 | 208 | 10 | 0.8872837924407431 | 25.17 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2070872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 723 | 694 | 723 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 10.98 | 15.91 | 30533.91 | .00 | .00 | .00 | 30533.91 | Employed |  |  |  | 54.49 |  |  |  | NA | 25675.52 | 4858.39 | Taxes and Insurance | 26.34 | 88269.1 | XXXX | XXXX | 35.47 | 35.47 | 35.47 | XXXX | XXXX | XXXX | Conventional | Fixed | Non - Agency Advantage | 7.125 | 7.125 | 2492.76 | 2492.76 | 858.64 | 3351.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | A | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 348134.8 |  | 1 | 63573 | 350 | 3 | 0.43850746268656715 | 37 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 2070871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 774 | 774 | 753 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3284 | Taxes and Insurance | 21.9 | 163193.74 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | Professional Investor | 7.75 | 7.75 | 6189.8 | 6189.8 | 1263 | 7452.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | XXXX | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 817820.24 | 3240 | 4 | 59500 | 149 | 2 | 0.056701570680628276 | 5.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2070874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 794 | 789 | 795 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 180 | Taxes and Insurance | 102.26 | 138508.47 | XXXX | XXXX | 42.98 | 42.98 | 42.98 | XXXX | XXXX | XXXX | DSCR | Fixed | Investor Advantage | 7.375 | 7.375 | 1036.01 | 1036.01 | 318.44 | 1354.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 138508.47 | 4125 | 1 | 333000 | 315 | 13 | 0.016250249451207344 | 10.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |

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