# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-26-000551
**Filing Date:** 2026-2
**Character Count:** 1145096
**Document Hash:** 9585b5eed690aaceccf956a4b7fe13ac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000551.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0000929638-26-000551

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

**PUBLIC DOCUMENT COUNT**: 17

**CONFORMED PERIOD OF REPORT**: 20260209

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

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 26612091

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

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

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

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

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

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

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

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

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

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

---

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

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

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

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

X&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

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

<u> GS Mortgage-Backed Securities Trust 2026-PJ2 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

<u> Manju Madhavan, (212) 902-5268 </u> <br> Name and telephone number, including area code, of the person to<br> contact in connection with this filing.

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#### INFORMATION TO BE INCLUDED IN THE REPORT
**Item 2.01.**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer</u>**

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

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

Dated: February 9. 2026<br>

GS Mortgage Securities Corp.<br> (Depositor)

---

| | |
|:---|:---|
| By: | <u>/s/ Manju Madhavan</u><br> Name: Manju Madhavan<br> Title: President |

---

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

99.1&nbsp;&nbsp;&nbsp;&nbsp; Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

Schedule 1 – Executive Summary/Narrative

Schedule 2 – Rating Agency Grades

Schedule 3 – Exception Grades

Schedule 4 – Valuation Report

Schedule 5 – Supplemental Data

Schedule 6 – Data Compare Summary Report

99.2 Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 1 – Executive Summary/Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 2 – Rating Agency Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 3 – ATR Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 4 – Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 5 – Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 6 – Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Schedule 7 – Standard Findings Report

## Exhibit 99.1

![](logo_amc.gif)

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#### EXECUTIVE SUMMARY

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

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") during multiple transactions from August 2025 to January 2026 via files imaged and provided by Goldman Sachs Mortgage Company (the "Review").

The loans in the Review carried origination dates between July 2025 and December 2025.

(2) Sample size of the assets reviewed.

The Review was conducted on two hundred seven (207) mortgage loans with an aggregate original principal balance of approximately $261.234 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

(3) Determination of the sample size and computation.

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

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
| Balloon Flag | Investor: Qualifying Total Debt Ratio | Original Loan Amount | Property Type | Street |
| Borrower First Name | Lender | Original LTV | Purpose | Zip |
| Borrower Last Name | Occupancy | Originator Loan Designation | Refi Purpose |  |
| Borrower SSN | Original CLTV | PITIA Reserves Months | Representative FICO |  |
| City | Original Interest Rate | Product Description | State |  |

---

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)") used in the assessment of conformity guidelines.

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

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

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

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

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Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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

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

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

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

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

**Title Review:** AMC's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments;

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covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the

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amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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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):

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their

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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 DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, LLC ("Kroll"), and Moody's Investors Service, Inc. ("Moody's").

#### OVERALL REVIEW RESULTS SUMMARY
There were two hundred seven (207) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria one hundred fourteen (114) (55.07%) had an Overall grade of "A", ninety-three (93) (44.93%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C" or "D".

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 114 | 55.07% |
| B | 93 | 44.93% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### CREDIT REVIEW RESULTS SUMMARY
One hundred fifty-two (152) (73.43%) mortgage loans of the total received an "A" Credit Review grade. The fifty-five (55) (26.57%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 152 | 73.43% |
| B | 55 | 26.57% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria one hundred forty-six (146) (70.53%) had a Compliance Review grade of "A" and sixty-one (61) (29.47%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 146 | 70.53% |
| B | 61 | 29.47% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria all two hundred seven (207) (100.00%) loans had a Property/Valuation grade of "A". None of the loans are lower than a grade of "A."

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| **NRSRO Grade (DBRS, Fitch, Kroll, Moody's)** | **# of Loans** | **Percentage of Loans** |
| A | 207 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### REVIEW EXCEPTION SUMMARY (207 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the Fitch, Kroll, Moody's, and DBRS grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 45 |
| Compliance | B | TRID Defect | 14 |
| Compliance | B | ATR/QM Defect | 10 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 5 |
| Compliance | B | RESPA | 4 |
| Compliance | B | Missing Non-Required Data | 3 |
| Compliance | B | Misc. State Level | 3 |
| Compliance | B | TRID | 2 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***86*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **86** |

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| | | | |
|:---|:---|:---|:---|
| Credit | B | Title | 53 |
| Credit | B | Income / Employment | 2 |
| Credit | B | Hazard Insurance | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***56*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **56** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **142** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two hundred seven (207) mortgage loans reviewed, none (0) of the mortgage loans had tape discrepancies.

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|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Balloon Flag | 0 | 207 | 0.00% | 207 |
| Borrower First Name | 0 | 207 | 0.00% | 207 |
| Borrower Last Name | 0 | 207 | 0.00% | 207 |
| Borrower SSN | 0 | 207 | 0.00% | 207 |
| City | 0 | 207 | 0.00% | 207 |
| Investor: Qualifying Total Debt Ratio | 0 | 207 | 0.00% | 207 |
| Lender | 0 | 207 | 0.00% | 207 |
| Occupancy | 0 | 207 | 0.00% | 207 |
| Original CLTV | 0 | 207 | 0.00% | 207 |
| Original Interest Rate | 0 | 207 | 0.00% | 207 |
| Original Loan Amount | 0 | 207 | 0.00% | 207 |
| Original LTV | 0 | 207 | 0.00% | 207 |
| Originator Loan Designation | 0 | 207 | 0.00% | 207 |
| PITIA Reserves Months | 0 | 119 | 0.00% | 207 |
| Product Description | 0 | 207 | 0.00% | 207 |
| Property Type | 0 | 207 | 0.00% | 207 |
| Purpose | 0 | 207 | 0.00% | 207 |
| Refi Purpose | 0 | 18 | 0.00% | 207 |
| Representative FICO | 0 | 207 | 0.00% | 207 |
| State | 0 | 207 | 0.00% | 207 |
| Street | 0 | 207 | 0.00% | 207 |
| Zip | 0 | 207 | 0.00% | 207 |
| **Total** | **0** | **4277** | **0.00%** | **207** |

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#### ADDITIONAL LOAN POPULATION SUMMARY\*

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|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 207 | 100.00% | $261234398.00 | 100.00% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |

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|:---|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 207 | 100.00% | $261234398.00 | 100.00% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 20 | 9.66% | $22041720.00 | 8.44% |
| First Time Home Purchase | 9 | 4.35% | $10635200.00 | 4.07% |
| Other-than-first-time Home Purchase | 82 | 39.61% | $96594482.00 | 36.98% |
| Rate/Term Refinance - Borrower Initiated | 96 | 46.38% | $131962996.00 | 50.52% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 207 | 100.00% | $261234398.00 | 100.00% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 120 | 57.97% | $156871721.00 | 60.05% |
| Condo, Low Rise | 6 | 2.90% | $7624823.00 | 2.92% |
| Condo, High Rise | 1 | 0.48% | $900000.00 | 0.34% |
| PUD | 78 | 37.68% | $93569854.00 | 35.82% |
| Townhouse | 1 | 0.48% | $868000.00 | 0.33% |
| 1 Family Attached | 1 | 0.48% | $1400000.00 | 0.54% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 181 | 87.44% | $238322710.00 | 91.23% |
| Second Home | 26 | 12.56% | $22911688.00 | 8.77% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 207 | 100.00% | $261234398.00 | 100.00% |
| **Total** | **207** | **100.00%** | **$261234398.00** | **100.00%** |

---

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

14 \| Page

## Exhibit 99.1

![](logo_situs.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 2/5/2026 6:08:23 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 25349149 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28625331 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23212246 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 20696858 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 29711442 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 22424134 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531066 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29849524 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22834399 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26891453 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 21320632 |  | A<br> B<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 22222738 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24716271 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21478216 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26854029 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26887341 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22629774 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23978670 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 28821389 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25788331 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 27340722 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 25173810 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21175053 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25136703 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24228944 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20507766 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29657460 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28708266 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 23490030 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28828079 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26461040 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26276651 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26078597 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25920397 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23797557 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27002785 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26552284 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29244075 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 28262955 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 25880667 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25787965 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 24958393 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 23424977 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 26796113 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20290373 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21338782 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27258157 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 26121843 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 25729265 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25605847 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29299338 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24467145 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22117667 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28613464 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23408704 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24899419 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24167535 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22317291 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 21260180 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28616735 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 27638687 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21476131 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29510293 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28762984 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26877722 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23214856 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29985964 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29362241 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25182333 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23013433 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24347743 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 25087037 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22258680 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 20938890 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 21670023 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23031641 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25892366 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22472187 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23761621 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 29660577 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 26347527 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28510728 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 27843401 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 |  | D<br> C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 22208201 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26230339 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 28402847 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23477318 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 21310901 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 28927139 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22945944 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22160768 |  | A |
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| [redacted] | [redacted] | [redacted] | [redacted] | 28059332 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21850324 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 23563685 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22673602 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23902576 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22369777 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26483365 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25982153 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25224343 |  | A<br> C<br> D<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 29756568 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25094832 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 29579082 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26184253 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 27952707 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22563297 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26541808 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26126761 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27388116 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23672034 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29624555 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25708620 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24149183 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28494893 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23304896 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25474735 |  | A |
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| [redacted] | [redacted] | [redacted] | [redacted] | 24209150 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26818164 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25660586 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28639157 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531341 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22310876 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27117679 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29366441 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 29843167 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24289142 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28092231 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22535971 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29481358 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 24455072 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 23670883 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29091562 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 29039892 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 27571113 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20512692 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23353532 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20531146 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 22204404 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29862165 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 21105974 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28826306 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29041693 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21885848 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21155954 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20999389 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 26743933 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21683767 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 28229830 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24764951 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21392813 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20582184 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26914531 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25382709 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29492442 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23732093 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28158459 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21731908 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27817121 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25148352 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 20352911 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 |  | D<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 20679681 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 23330593 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 26372374 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26445286 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 29170668 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21107412 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 26994848 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21167632 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27378779 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28661729 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 29926960 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 27054161 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 23236971 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 21809206 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 23197103 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 22887363 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 25584005 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 28645954 |  | A |

---

## Exhibit 99.1

---

| |
|:---|
| ![](logo_situs.jpg) |
| **Exception Grades**  |
| **Run Date - 2/5/2026 6:08:24 PM**  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 | 34973764 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-18): XXXXX | 11/18/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 | 34973786 |  | 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 $XXXX exceeds tolerance of $XXX. $330.33 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $XXXX on LE but disclosed as $XXXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-18): XXXXX | 11/18/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 | 34973824 |  | 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 $XXXX exceeds tolerance of $XXXX Insufficient or no cure was provided to the borrower. | Lender credits fee was last disclosed as -$XXXX on LE but disclosed as -$XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-01): XXXXX<br>Seller Comment (2025-11-26): XXXXX<br>Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-18): XXXXX | 12/01/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 | 35123369 |  | 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 $XXXX exceeds tolerance of $XXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-01): XXXXX |  | 12/01/2025 |  | 1<br> A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26279724 | 34142064 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 08/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26279724 | 34173563 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third party business verification dated within 120 days of the Note is missing, document in file is dated XX/XX/XX |  |  |  | Reviewer Comment (2025-10-29): XXXXX<br>Reviewer Comment (2025-09-26): XXXXX<br>Reviewer Comment (2025-09-19): XXXXX | 10/29/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26279724 | 34173568 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-11-03): XXXXX | 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26279724 | 34173570 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Exception will be addressed once all QM requirements have been met. |  |  |  | Reviewer Comment (2025-11-03): XXXXX | 11/03/2025 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28625331 | 34412730 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $120.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-11): XXXXX |  | 09/11/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28625331 | 34412783 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets for Closing of $XXXX is less than Cash from Borrower $XXXX. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX | 10/09/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | 34550110 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $575.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $575.00 on LE but disclosed as $775.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-21): XXXXX | 10/21/2025 |  |  | 1<br> C<br> A |  | AR | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | 34550111 |  | 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 XXXXXs. Fee Amount of $205.00 exceeds tolerance of $0.00. $205.00 over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Fee was not disclosed on LE but disclosed as $205.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $205.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-21): XXXXX | 10/21/2025 |  |  | 1<br> C<br> A |  | AR | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | 34550143 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of Employment not provided for Co Borrower/XXXXX. |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Seller Comment (2025-10-20): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX | 10/21/2025 |  |  | 1<br> C<br> A |  | AR | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | 34550181 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Seller Comment (2025-10-20): XXXXX | 10/21/2025 |  |  | 1<br> B<br> A<br> C |  | AR | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | 34550182 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Verification of Employment not provided for Co Borrower/XXXXX. |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Seller Comment (2025-10-20): XXXXX | 10/21/2025 |  |  | 1<br> C<br> A |  | AR | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | 34603459 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of Employment not provided for Co Borrower/XXXXX. |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Seller Comment (2025-10-20): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX | 10/21/2025 |  |  | 1<br> C<br> A |  | AR | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23212246 | 34349935 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Seller Comment (2025-09-09): XXXXX | 09/10/2025 |  |  | 1<br> C<br> A |  | OR | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20696858 | 34435349 |  | 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 XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2025-10-27): PCCD received reflecting updated disbursement date, exception cleared.<br>Seller Comment (2025-10-23): TF 10/23 Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery.<br>Reviewer Comment (2025-10-16): PCCD is required to update disbursement date.<br>Seller Comment (2025-10-14): Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. | 10/27/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29711442 | 34496487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-10-02): XXXXX | 10/16/2025 |  |  | 1<br> B<br> A<br> C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29711442 | 34496488 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.14403% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $34,340.00 on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $9,480.17 or 1.14403%). | QM Points and Fees threshold exceeded by $9,480.17 or .1.14403%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-10-14): XXXXX<br>Seller Comment (2025-10-10): XXXXX<br>Reviewer Comment (2025-10-02): XXXXX | 10/16/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22424134 | 34600452 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/03/2025 | 2<br> B |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22424134 | 34600453 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/03/2025 | 2<br> B |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22834399 | 34637289 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-08): XXXXX | 10/08/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26891453 | 34798140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on initial LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-11): XXXXX | 11/11/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26891453 | 34798157 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $140.00 exceeds tolerance of $0.00. $140.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on initial LE but disclosed as $140.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $140.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-19): XXXXX<br>Reviewer Comment (2025-11-11): XXXXX |  | 11/19/2025 |  | 2<br> C<br> B |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | 34675627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns, no evidence of extension in file. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-30): XXXXX<br>Reviewer Comment (2025-10-27): XXXXX<br>Seller Comment (2025-10-22): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX |  |  | 10/30/2025 | 2<br> B |  | NM | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | 34675628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns, no evidence of extension in file. The file contained a copy of the XXXXX 1040's and business returns. |  |  |  | Reviewer Comment (2025-10-30): XXXXX<br>Reviewer Comment (2025-10-27): XXXXX<br>Seller Comment (2025-10-22): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX |  |  | 10/30/2025 | 2<br> B |  | NM | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | 34675782 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The file was missing a copy of the Award Letter for $9000.00 pension income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-31): XXXXX<br>Reviewer Comment (2025-10-27): XXXXX<br>Seller Comment (2025-10-25): XXXXX<br>Reviewer Comment (2025-10-23): XXXXX<br>Seller Comment (2025-10-22): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX |  |  | 10/31/2025 | 2<br> C<br> B |  | NM | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | 34675784 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-31): XXXXX | 10/31/2025 |  |  | 1<br> B<br> A<br> C |  | NM | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | 34675785 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2025-10-31): XXXXX | 10/31/2025 |  |  | 1<br> C<br> A |  | NM | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | 34716966 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | XXXXX business and personal return extension was not in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-31): XXXXX<br>Buyer Comment (2025-10-27): XXXXX<br>Reviewer Comment (2025-10-27): XXXXX<br>Seller Comment (2025-10-25): XXXXX<br>Reviewer Comment (2025-10-23): XXXXX<br>Seller Comment (2025-10-22): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX |  |  | 10/31/2025 | 2<br> C<br> B |  | NM | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21320632 | 34519641 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/26/2025 | 2<br> B |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21320632 | 34519671 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-30): XXXXX<br>Seller Comment (2025-09-29): XXXXX | 09/30/2025 |  |  | 1<br> D<br> A |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22222738 | 34429602 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/19/2025 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22222738 | 34429604 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $970.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $970.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $970.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-03): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-10-31): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery.<br>Reviewer Comment (2025-10-16): XXXXX received snip of UW comment for requirement of second appraisal on 08/25 but, as per file the Appraisal fee was not disclosed on initial LE and it was added first time on CD dated 08/17 prior to the condition added by UW. As per invoice it appears the form type was changed for which $200 was charged extra but since the appraisal fee was not disclosed to borrower on initial LE the reason provided for adding second appraisal is not a valid change. Please provide more information as to why the appraisal fee was first disclosed on CD dated 08/17 and not on initial LE or cure is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-14): Please see attached condition requiring a second appraisal by the UW.<br>Reviewer Comment (2025-09-23): XXXXX received COC and CD dated 08/19 also as per approval the UW conditioned for 1004 but there is no evidence that lender has requested for another form of appraisal before requesting 1004. As per initial and final 1003 the property type does not changed. Please provide more information as to why the form type was changed to validate the reason for change.<br>Seller Comment (2025-09-22): TF 9/22 Please see attached accepted Change Of Circumstances Request, and Underwriting Appraisal Condition. There was a valid COFC accepted for increasing the Appraisal Fee. Please see attached UW condition, the Underwriter conditioned for a Form 1004 on 8/19 in order to proceed with underwriter. |  | 11/03/2025 |  | 2<br> C<br> B |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22222738 | 34429615 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 09/19/2025 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24716271 | 34492591 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 09/25/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24716271 | 34519213 |  | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Less Than Buydown Terms - Buydown Terms Not Considered | Total Buydown Amount collected on HUD/CD $0.00 does not match Buydown Subsidy of $20,884.08 required per terms of Buydown Agreement Payment Schedule. Additional subsidy XXXXX be required to meet terms of buydown agreement. Any discrepancy XXXXX impact validity of compliance points and fees findings. |  |  |  |  | Reviewer Comment (2025-10-29): XXXXX<br>Seller Comment (2025-10-27): XXXXX | 10/29/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26854029 | 34548161 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-10-02): XXXXX | 10/02/2025 |  |  | 1<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26854029 | 34548208 |  | 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. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-02): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23978670 | 34599285 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-06): XXXXX | 10/06/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23978670 | 34599286 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $500.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $500.00 on LE but disclosed as $650.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-04): XXXXX<br>Seller Comment (2025-12-02): XXXXX<br>Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-14): XXXXX<br>Reviewer Comment (2025-11-12): XXXXX<br>Seller Comment (2025-11-11): XXXXX |  | 12/04/2025 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25788331 | 34430888 |  | 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 $XXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Tax Transfer Fee was last disclosed as $XXXXon initial LE but disclosed as $XXXX on Final Closing Disclosure. File does not contain the Cure nor the valid COC for this fee. Provide a post-close CD disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>Seller Comment (2025-10-31): XXXXX |  | 11/03/2025 |  | 2<br> C<br> B |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 | 34485252 |  | 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 $XXX exceeds tolerance of $XXXX0. Insufficient or no cure was provided to the borrower. | Lender Credits were not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-07): XXXXX<br>Reviewer Comment (2025-09-29): XXXXX<br>Seller Comment (2025-09-26): XXXXX | 10/08/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 | 34485414 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-01): XXXXX |  |  | 10/01/2025 | 2<br> B |  | AZ | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 | 34485424 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Issue Date: XX/XX/XX; Received Date: 0XX/XX/XX. |  |  |  | Reviewer Comment (2025-10-01): XXXXX |  |  | 10/01/2025 | 2<br> B |  | AZ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 | 34674615 |  | 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 XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Final CD issued on XX/XX/XX was signed on XX/XX/XX. |  |  |  | Reviewer Comment (2025-11-13): XXXXX<br>Seller Comment (2025-11-11): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-15): XXXXX |  | 11/13/2025 |  | 2<br> B |  | AZ | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 | 34674616 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Final CD issued on XX/XX/XX was signed on XX/XX/XX. |  |  |  | Reviewer Comment (2025-11-13): XXXXX<br>Seller Comment (2025-11-11): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-15): XXXXX |  | 11/13/2025 |  | 2<br> B |  | AZ | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27340722 | 34769798 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-28): XXXXX<br>Seller Comment (2025-10-27): XXXXX | 10/28/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27340722 | 34769799 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-21): XXXXX |  | 10/21/2025 |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25173810 | 34631775 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 10/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 | 34654025 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 | 34654026 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2025-10-16): XXXXX |  |  | 10/16/2025 | 2<br> B |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 | 34693884 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing tax and HOA verification for XXXXX. |  |  |  | Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX | 10/17/2025 |  |  | 1<br> C<br> A |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 | 34764723 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-22): XXXXX | 10/22/2025 |  |  | 1<br> A |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24228944 | 34737171 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Loan was submitted under XXXXX AUS program. AUS is missing. |  |  |  | Reviewer Comment (2025-10-17): XXXXX<br>Seller Comment (2025-10-16): XXXXX | 10/17/2025 |  |  | 1<br> A |  | MA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28708266 | 34611609 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/06/2025 | 2<br> B |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28708266 | 34611610 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 10/06/2025 | 2<br> B |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28828079 | 34762675 |  | 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 $6,489.34 exceeds tolerance of $6,487.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as $6,487.00 on LE but disclosed as $6,489.340 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-20): Sufficient Cure Provided At Closing |  | 10/20/2025 |  | 1<br> A |  | VA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26461040 | 34740290 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/20/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26078597 | 34638071 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26078597 | 34638205 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23797557 | 34642512 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27002785 | 34852901 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/03/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26552284 | 34551639 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VVOE provided XX/XX/XX. |  |  |  | Reviewer Comment (2025-10-02): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29244075 | 34589405 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/02/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28262955 | 34777439 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Reinspection Fee was not disclosed on LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-28): XXXXX<br>Seller Comment (2025-10-27): XXXXX | 10/28/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28262955 | 34777624 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25787965 | 34851874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-14): XXXXX<br>Reviewer Comment (2025-11-06): XXXXX | 11/14/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25787965 | 34852141 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  | Reviewer Comment (2025-11-17): XXXXX |  | 11/17/2025 |  | 2<br> B |  | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24958393 | 34700566 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/14/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 | 34638668 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-14): XXXXX received 09/19 CD received 3 business days prior to consummation.<br>Seller Comment (2025-10-13): TF XX/XX/XX. | 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 | 34638669 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  | Reviewer Comment (2025-10-17): NORTC received.<br>Seller Comment (2025-10-13): TF 10/13 Please see attached Notice of Right to Cancel | 10/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 | 34638692 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 10/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 | 34664649 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and XXXXX,XXXXX, and XXXXX business returns. |  |  |  | Reviewer Comment (2025-10-16): Client elects to waive.<br>Reviewer Comment (2025-10-07): Client to review. Extension provided. |  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 | 34664650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX and XXXXX 1040's and XXXXX,XXXXX, and XXXXX business returns. |  |  |  | Reviewer Comment (2025-10-16): Client elects to waive.<br>Reviewer Comment (2025-10-07): Client to review. Extension provided. |  |  | 10/16/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 | 34402161 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-02): XXXXX | 10/02/2025 |  |  | 1<br> B<br> A<br> C |  | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 | 34402274 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/17/2025 | 2<br> B |  | MS | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 | 34475864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing third party verification of borrower's business. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-01): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | MS | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 | 34475865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX. The file contained a copy of the XXXXX 1040's. |  |  |  | Reviewer Comment (2025-10-01): XXXXX |  |  | 10/01/2025 | 2<br> B |  | MS | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26796113 | 34624909 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/06/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26796113 | 34624946 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/06/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21338782 | 34753432 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/21/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21338782 | 34755391 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-10-27): Received evidence of receipt of appraisal. Exception cleared.<br>Seller Comment (2025-10-23): LI 10/23 Please see attached. The appraisal was sent to the borrower on 10/6 via e-sign and provided in the closing package the borrower signed the day of closing 10/8. | 10/27/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21338782 | 34756523 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 10/21/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27258157 | 34539243 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-01): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 | 34732177 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Retrieving data. Wait a few seconds and try to cut or copy again. |  |  |  |  |  |  | 10/20/2025 | 2<br> B |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 | 34732179 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | XXXXX Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  | Reviewer Comment (2025-10-29): XXXXX | 10/29/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 | 34732180 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXXX. $273.00 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $273.00 due to increase of Appraisal Fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $273.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-03): XXXXX |  | 11/03/2025 |  | 2<br> C<br> B |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 | 34732181 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $750.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $1,000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $250.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-28): XXXXX | 10/28/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 | 34848336 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not Dated By Lender At Or Prior To Closing | XXXXX Home Loan: Borrower's Interest Worksheet not dated by lender at or prior to closing. |  |  |  |  | Reviewer Comment (2025-11-12): XXXXX | 11/12/2025 |  |  | 1<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26121843 | 34714882 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or .XXXX%). | QM Points and Fees threshold exceeded by $XXXX%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2025-11-19): XXXXX<br>Seller Comment (2025-11-14): XXXXX<br>Reviewer Comment (2025-11-12): XXXXX<br>Seller Comment (2025-11-11): XXXXX<br>Seller Comment (2025-11-04): XXXXX<br>Reviewer Comment (2025-10-24): XXXXX<br>Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-16): XXXXX | 11/19/2025 |  |  | 1<br> C<br> A |  | VA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26121843 | 34714884 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-13): XXXXX |  | 10/13/2025 |  | 1<br> A |  | VA | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 | 34853104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-04): XXXXX<br>Seller Comment (2025-11-04): XXXXX | 11/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 | 34853131 |  | 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 $-280.00 exceeds tolerance of $-2,780.00. Insufficient or no cure was provided to the borrower. | Lender Credit was last disclosed as $-2780.00 on LE but disclosed as $-280.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $-2500.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-04): XXXXX<br>Seller Comment (2025-11-04): XXXXX | 11/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 | 34853141 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing from file. |  |  |  | Reviewer Comment (2025-11-04): XXXXX<br>Seller Comment (2025-11-04): XXXXX | 11/04/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 | 34908654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | XXXXX received CD dated XX/XX/XX which is not within three days of closing date. Kindly provide initial CD three days prior to closing date. |  |  |  | Reviewer Comment (2025-11-11): XXXXX<br>Seller Comment (2025-11-10): XXXXX<br>Reviewer Comment (2025-11-07): XXXXX<br>Seller Comment (2025-11-06): XXXXX<br>Reviewer Comment (2025-11-06): XXXXX<br>Seller Comment (2025-11-05): XXXXX | 11/11/2025 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29299338 | 34598807 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/03/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24467145 | 34772190 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXX exceeds tolerance of $XXX. $130.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXXX on LE but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $130.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-07): XXXXX<br>Seller Comment (2025-12-05): XXXXX<br>Reviewer Comment (2025-11-12): XXXXX<br>Seller Comment (2025-11-10): XXXXX |  | 12/07/2025 |  | 2<br> C<br> B |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24467145 | 34772191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-12): XXXXX<br>Seller Comment (2025-11-11): XXXXX<br>Reviewer Comment (2025-10-29): XXXXX<br>Seller Comment (2025-10-27): XXXXX | 11/12/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24467145 | 34772371 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/23/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22117667 | 34550390 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/30/2025 | 2<br> B |  | VA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22117667 | 34550473 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-02): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | VA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23408704 | 34754955 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/21/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23408704 | 34754966 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/21/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24899419 | 34740739 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement was missing on this file for the property XXXXX. |  |  |  | Reviewer Comment (2025-10-30): XXXXX<br>Seller Comment (2025-10-30): XXXXX<br>Reviewer Comment (2025-10-27): XXXXX<br>Seller Comment (2025-10-27): XXXXX<br>Reviewer Comment (2025-10-22): XXXXX<br>Seller Comment (2025-10-21): XXXXX | 10/30/2025 |  |  | 1<br> C<br> A |  | AZ | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24167535 | 34635532 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/07/2025 | 2<br> B |  | WY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 | 34581293 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 | 34581296 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $XXXon LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $140.00. |  |  |  | Reviewer Comment (2025-09-26): XXXXX |  | 09/26/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 | 34581317 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 | 34581326 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file was missing a copy of the AUS. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-03): XXXXX | 10/06/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22317291 | 34834244 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/30/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21260180 | 34776176 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-10-28): XXXXX<br>Seller Comment (2025-10-27): XXXXX | 10/28/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21260180 | 34776177 |  | 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 XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2025-10-28): XXXXX<br>Seller Comment (2025-10-28): XXXXX | 10/28/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21260180 | 34776189 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/24/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28616735 | 34476117 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX.The file contained a copy of the XXXXX 1040. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Seller Comment (2025-10-03): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX |  |  | 10/08/2025 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28616735 | 34476119 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Seller Comment (2025-10-03): XXXXX | 10/06/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28616735 | 34519310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal tax returns. Evidence of extension provided in file for XXXXX.The file contained a copy of the XXXXX 1040. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX |  |  | 10/08/2025 | 2<br> B |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 | 34651761 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file was missing a copy of Rate lock document. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 | 34651762 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-16): XXXXX | 10/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 | 34651767 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-10-16): XXXXX | 10/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 | 34651774 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | The file was missing a copy of Rate lock document. |  |  |  | Reviewer Comment (2025-11-17): XXXXX<br>Reviewer Comment (2025-10-17): XXXXX | 11/17/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29510293 | 34806322 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Copy of Rate lock is missing. |  |  |  | Reviewer Comment (2025-11-17): XXXXX<br>Seller Comment (2025-11-14): XXXXX<br>Reviewer Comment (2025-11-11): XXXXX<br>Reviewer Comment (2025-11-05): XXXXX<br>Seller Comment (2025-11-04): XXXXX | 11/17/2025 |  |  | 1<br> C<br> A |  | LA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29510293 | 34806334 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | 10/29/2025 | 2<br> B |  | LA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28762984 | 34943612 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/12/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23214856 | 34727568 |  | 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 $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-14): XXXXX |  | 10/14/2025 |  | 1<br> A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29985964 | 34743644 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/20/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29985964 | 34743645 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/20/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29985964 | 34743663 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/20/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | 34841605 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $374.75 compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $374.75 compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XX. |  |  |  | Reviewer Comment (2025-12-10): XXXXX<br>Seller Comment (2025-12-09): XXXXX<br>Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-18): XXXXX |  | 12/10/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | 34841606 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXXX is under disclosed by $374.75 compared to the calculated Finance Charge of $XXXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $XXXX6. Calculated finance charge is $XXXX. Variance of -$374.75. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  |  |  | Reviewer Comment (2025-12-10): XXXXX<br>Reviewer Comment (2025-12-01): XXXXX<br>Seller Comment (2025-11-28): XXXXX<br>Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-18): XXXXX |  | 12/10/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | 34841607 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). The disclosed Total of Payments in the amount of $2,613,460.50 is under disclosed by $374.75 compared to the calculated total of payments of $XXXX which exceeds the $35.00 threshold. | Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX . The disclosed Total of Payments in the amount of $2,613,460.50 is under disclosed by $374.75 compared to the calculated total of payments of $XXXXwhich exceeds the $35.00 threshold. |  |  |  | Reviewer Comment (2025-12-12): XXXXX<br>Seller Comment (2025-12-11): XXXXX<br>Reviewer Comment (2025-11-18): XXXXX<br>Seller Comment (2025-11-18): XXXXX |  | 12/12/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | 34841670 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/31/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | 34854274 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-49.56. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-30): XXXXX |  | 10/30/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | 34854275 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $569.94 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-30): XXXXX |  | 10/30/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25182333 | 34700904 |  | 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 203K Architectural And Engineering Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for 203K Architectural And Engineering Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-10): XXXXX |  | 10/10/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25182333 | 34700905 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,095.00 exceeds tolerance of $995.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,095.00 exceeds tolerance of $995.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-10): XXXXX |  | 10/10/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25182333 | 34701028 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/14/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24347743 | 34624768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $14,663.26 exceeds tolerance of $11,740.00. $2,923.26 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $11,740.00 on LE but disclosed as $14,663.26 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,923.26, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Seller Comment (2025-10-08): XXXXX | 10/09/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22258680 | 34676050 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-03): XXXXX<br>Buyer Comment (2025-10-27): XXXXX<br>Buyer Comment (2025-10-23): XXXXX |  |  | 11/03/2025 | 2<br> C<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20938890 | 34795189 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/28/2025 | 2<br> B |  | WA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21670023 | 34581558 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/01/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23031641 | 34582440 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $155,000.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Seller Comment (2025-10-02): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22472187 | 34926110 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23761621 | 35073820 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/28/2025 | 2<br> B |  | TN | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29660577 | 35017383 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/21/2025 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29660577 | 35017384 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower provided appraisal waiver less than three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-26): XXXXX<br>Seller Comment (2025-11-25): XXXXX |  |  | 11/26/2025 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26347527 | 34852810 |  | 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 $161.60 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $150.00 on LE but disclosed as $161.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-30): XXXXX |  | 10/30/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28510728 | 34852278 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2<br> B |  | CO | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27843401 | 34863383 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification revised appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2<br> B |  | MD | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27843401 | 34863385 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | No evidence of required counseling disclosure language per XXXXX HB 1399. |  |  |  | Reviewer Comment (2025-11-13): XXXXX<br>Seller Comment (2025-11-12): XXXXX<br>Reviewer Comment (2025-11-11): XXXXX<br>Seller Comment (2025-11-11): XXXXX<br>Seller Comment (2025-11-06): XXXXX |  |  | 11/13/2025 | 2<br> B |  | MD | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | 34784660 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | 34784661 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | File is missing a copy of Initial Rate Lock Date Agreement. |  |  |  |  |  |  | 10/27/2025 | 2<br> B |  | TX | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | 34784664 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 4,072.44 on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | The Final CD disclosed the amount of Estimated Property Costs over Year 1 of $4,072.44. However, the Property Taxes ($XXXXX) Insurance ($XXXXX) totaling $33,820.32 per year. Provide a post close CD correcting page 4 and Estimated Taxes, Insurance and Assessments on page 1 and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Estimated Taxes, Insurance & Assessments on page 1 of the CD is $2,818.36 and estimated Property Costs Over Year 1 is $4,072.44. |  |  |  | Reviewer Comment (2025-10-30): XXXXX |  | 10/30/2025 |  | 2<br> C<br> B |  | TX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | 34784666 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $275.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-23): XXXXX |  | 10/23/2025 |  | 1<br> A |  | TX | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | 34784671 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing a copy of Initial Rate Lock Date document. |  |  |  | Reviewer Comment (2025-10-29): XXXXX | 10/29/2025 |  |  | 1<br> C<br> A |  | TX | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | 34784677 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract is missing in the file. |  |  |  | Reviewer Comment (2025-10-29): XXXXX | 10/29/2025 |  |  | 1<br> D<br> A |  | TX | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22208201 | 34944544 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 11/12/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26230339 | 34918913 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  |  |  |  | 11/07/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26230339 | 34918914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-11-11): XXXXX<br>Seller Comment (2025-11-10): XXXXX | 11/11/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23477318 | 34794458 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/28/2025 | 2<br> B |  | UT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23477318 | 34794478 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-31): XXXXX<br>Seller Comment (2025-10-30): XXXXX | 10/31/2025 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21310901 | 34916231 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-11-11): XXXXX<br>Seller Comment (2025-11-10): XXXXX | 11/11/2025 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21310901 | 34949473 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $435.16 exceeds tolerance of $0.00. $435.16 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX Discount point fee added on CD dated 10/XX without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  |  |  | Reviewer Comment (2025-11-12): XXXXX<br>Seller Comment (2025-11-11): XXXXX | 11/12/2025 |  |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28927139 | 35038358 |  | 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 $6,610.00 exceeds tolerance of $6,600.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Fee was last disclosed as $6,600.00 on LE but disclosed as $6,610.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $10.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-21): XXXXX |  | 11/21/2025 |  | 1<br> A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22945944 | 34933831 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 11/11/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22657079 | 34954484 |  | 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 $134.00 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-11): Sufficient Cure Provided At Closing |  | 11/11/2025 |  | 1<br> A |  | UT | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28059332 | 35028596 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/24/2025 | 2<br> B |  | AR | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28059332 | 35055939 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/24/2025 | 2<br> B |  | AR | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 | 34813710 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/XX/XX) |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>Seller Comment (2025-10-31): XXXXX | 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 | 34813712 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $XXXX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>Seller Comment (2025-10-31): XXXXX | 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 | 34813716 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $150.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>Seller Comment (2025-10-31): XXXXX | 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 | 34814602 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 10/30/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 | 34872258 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-03): XXXXX |  | 11/03/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21850324 | 35108939 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. (Initial/XX/XX/XX) |  |  |  | Reviewer Comment (2025-12-03): XXXXX<br>Seller Comment (2025-12-02): XXXXX | 12/03/2025 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23563685 | 34986911 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/18/2025 | 2<br> B |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23902576 | 35192650 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $123.60 due to increase of Second Appraisal Fee. No valid COC provided, sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-10): XXXXX |  | 12/10/2025 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22369777 | 34755425 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2025-10-27): Property Inspection Report has been received. It has been verified that there was no damage resulting from the recent FEMA disaster. Exception Cleared.<br>Seller Comment (2025-10-27): PDI attached | 10/27/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26483365 | 35037686 |  | 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 $246.15 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $246.15 exceeds tolerance of $200.00. Sufficient cure was provided to the borrower at Closing |  |  |  |  |  | 11/21/2025 |  | 1<br> A |  | GA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25982153 | 34925633 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $695.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $695.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-06): XXXXX |  | 11/06/2025 |  | 1<br> A |  | IL | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25982153 | 34929568 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Large deposit in the amount of $XXXX dated XX/XX/XX on XXXXX acct ending in XXXXX was not sourced and has been excluded from asset. |  |  |  | Reviewer Comment (2025-11-14): XXXXX<br>Seller Comment (2025-11-13): XXXXX | 11/14/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25224343 | 35029211 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-26): XXXXX<br>Seller Comment (2025-11-25): XXXXX | 11/26/2025 |  |  | 1<br> D<br> A |  | AZ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25224343 | 35029273 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $160.00 compared to the calculated total of payments of $XXXX which exceeds the $100.00 threshold. | Final Closing Disclosure provided on XX/XX/XX) |  |  |  | Reviewer Comment (2025-12-24): XXXXX<br>Seller Comment (2025-12-23): XXXXX<br>Reviewer Comment (2025-12-18): XXXXX<br>Seller Comment (2025-12-17): XXXXX |  | 12/24/2025 |  | 2<br> C<br> B |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29756568 | 35038222 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/25/2025 | 2<br> B |  | AZ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29756568 | 35038273 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/25/2025 | 2<br> B |  | AZ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25094832 | 35119475 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/02/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25094832 | 35119484 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-11-28): XXXXX |  | 11/28/2025 |  | 1<br> A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 | 34863435 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2025-12-17): . |  |  | 11/04/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 | 34863447 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-10): Received replacement cost estimator. Lender documented value updated. Exception is cleared.<br>Seller Comment (2025-11-07): 11/7 MM: Please see attached document of the RCE | 11/10/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 | 34863893 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $0.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $XXXX due to increase in fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-07): Sufficient cure provided. Full cure amount for tolerance violation was provided in the form of principal reduction at closing (on final CD) resulting in a cleared exception."<br>Seller Comment (2025-11-05): CT 11/5: A tolerance credit in the amount of $875 for the appraisal fee was reflected on the final Closing Disclosure | 11/07/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 | 34864033 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/04/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 | 34930476 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26184253 | 35039235 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt of CD was not found in file. |  |  |  | Reviewer Comment (2025-11-30): XXXXX<br>Seller Comment (2025-11-26): XXXXX | 11/30/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27952707 | 35003317 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing |  |  |  | Reviewer Comment (2025-11-21): XXXXX<br>Seller Comment (2025-11-20): XXXXX | 11/21/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22563297 | 35027189 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier receipt not provided. |  |  |  | Reviewer Comment (2025-11-26): XXXXX<br>Seller Comment (2025-11-25): XXXXX | 11/26/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22563297 | 35027264 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Approval required $0.00 to close however actual cost to close was -$101.92 resulting in shortage. |  |  |  | Reviewer Comment (2025-11-26): XXXXX<br>Seller Comment (2025-11-25): XXXXX | 11/26/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26126761 | 35167282 |  | 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 $172.62 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-05): XXXXX |  | 12/05/2025 |  | 1<br> A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27388116 | 34995745 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/19/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27388116 | 34995762 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-21): XXXXX<br>Seller Comment (2025-11-20): XXXXX | 11/21/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27388116 | 34995763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $xxxxexceeds tolerance of $xxxx. $xxx over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was disclosed as $XXX on LE but disclosed as $xxx in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-08): XXXXX<br>Seller Comment (2025-12-05): XXXXX |  | 12/08/2025 |  | 2<br> C<br> B |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23672034 | 35134497 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/04/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23672034 | 35134530 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-12-10): XXXXX<br>Reviewer Comment (2025-12-09): XXXXX<br>Seller Comment (2025-12-08): XXXXX |  |  | 12/10/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29624555 | 35073735 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file was missing a copy of the AUS. |  |  |  | Reviewer Comment (2025-12-02): XXXXX<br>Seller Comment (2025-12-01): XXXXX | 12/02/2025 |  |  | 1<br> C<br> A |  | AK | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 | 35017296 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXexceeds tolerance of XXXX0 plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-19): XXXXX |  | 11/19/2025 |  | 1<br> A |  | HI | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 | 35017297 |  | 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 XXXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-19): XXXXX |  | 11/19/2025 |  | 1<br> A |  | HI | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 | 35017343 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-12-03): XXXXX | 12/03/2025 |  |  | 1<br> A |  | HI | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 | 35017355 |  | 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. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-12-03): XXXXX<br>Seller Comment (2025-12-02): XXXXX | 12/03/2025 |  |  | 1<br> C<br> A |  | HI | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25708620 | 35124943 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-01): XXXXX |  | 12/01/2025 |  | 1<br> A |  | OR | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 25708620 | 35125004 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/03/2025 | 2<br> B |  | OR | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24149183 | 35072746 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/01/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28494893 | 35167535 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/09/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28494893 | 35167651 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/09/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23304896 | 35119702 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/02/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24209150 | 35151916 |  | 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 report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/05/2025 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26818164 | 35004603 |  | 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. | Title Policy Coverage is less than Original Loan Amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/19/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28639157 | 34937650 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  | Reviewer Comment (2025-12-02): XXXXX<br>Seller Comment (2025-11-28): XXXXX<br>Reviewer Comment (2025-11-14): XXXXX<br>Seller Comment (2025-11-12): XXXXX |  | 12/02/2025 |  | 2<br> B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28639157 | 34937696 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/11/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531341 | 35174402 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/10/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27117679 | 35023742 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 11/21/2025 | 2<br> B |  | MN | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27117679 | 35023772 |  | Compliance | Compliance | State Compliance | Misc. State Level | XXXXX Tangible Net Benefit Test | XXXXX Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  | Reviewer Comment (2025-11-26): XXXXX<br>Reviewer Comment (2025-11-25): XXXXX<br>Seller Comment (2025-11-25): XXXXX |  |  | 11/26/2025 | 2<br> B |  | MN | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27117679 | 35023773 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-12-22): XXXXX<br>Seller Comment (2025-12-18): XXXXX<br>Reviewer Comment (2025-12-09): XXXXX<br>Seller Comment (2025-12-09): XXXXX |  | 12/22/2025 |  | 2<br> C<br> B |  | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29366441 | 35120609 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/03/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29366441 | 35153208 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-03): XXXXX |  | 12/03/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29843167 | 35134772 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/04/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29843167 | 35135559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,362.86 exceeds tolerance of $1,350.00. $12.86 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $1,350.00 on LE but disclosed as $1,362.86 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $12.86, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-17): XXXXX<br>Seller Comment (2025-12-15): XXXXX<br>Reviewer Comment (2025-12-11): XXXXX<br>Seller Comment (2025-12-10): XXXXX<br>Reviewer Comment (2025-12-10): XXXXX<br>Seller Comment (2025-12-09): XXXXX | 12/17/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29843167 | 35253560 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. |  | Missing proof of initial application receipt on XX/XX/XX. Changed Circumstance on XX/XX/XX LE reflects a change date of XX/XX/XX, but application provided reflects originator and borrower dates of XX/XX/XX. Initial disclosures reflect a type date of XX/XX/XX, but missing supporting document to confirm application date was XX/XX/XX and lender's receipt of 6 pieces of information from borrower. Application does not support this XX/XX/XX date. System documentation reflecting when received information from borrower, system notes, etc should be provided to support the XX/XX/XX application date which varies from the typed application dates. |  |  |  | Reviewer Comment (2025-12-22): XXXXX<br>Reviewer Comment (2025-12-18): XXXXX<br>Seller Comment (2025-12-17): XXXXX |  |  | 12/22/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22535971 | 35127683 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-12-09): XXXXX<br>Seller Comment (2025-12-08): XXXXX | 12/09/2025 |  |  | 1<br> C<br> A |  | TN | Second Home | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22535971 | 35127704 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/04/2025 | 2<br> B |  | TN | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29481358 | 35026617 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier receipt not located in file. |  |  |  | Reviewer Comment (2025-12-01): XXXXX | 12/01/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24455072 | 35136205 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29091562 | 35158233 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/08/2025 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29039892 | 34995812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-11-20): XXXXX<br>Seller Comment (2025-11-20): XXXXX | 11/20/2025 |  |  | 1<br> C<br> A |  | TX | Second Home | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27571113 | 35158192 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,396.00 exceeds tolerance of $1,395.00. Sufficient or excess cure was provided to the borrower at Closing. | Processing Fee was last disclosed as $1,395.00 on LE but disclosed as $1,396.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $1.00. |  |  |  | Reviewer Comment (2025-12-04): XXXXX |  | 12/04/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27571113 | 35158220 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/08/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 | 35150079 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/05/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 | 35150100 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | XXXXX Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  | Reviewer Comment (2025-12-10): XXXXX |  |  | 12/10/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 | 35150101 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-12-15): XXXXX<br>Seller Comment (2025-12-15): XXXXX | 12/15/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 | 35150103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXover legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $XXXX on LE but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include XXXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-15): XXXXX<br>Seller Comment (2025-12-15): XXXXX | 12/15/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 | 35162504 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2<br> B |  | CO | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20531146 | 35124645 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2025-12-05): XXXXX<br>Seller Comment (2025-12-04): XXXXX | 12/05/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29862165 | 34869520 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $2,125.00 exceeds tolerance of $1,075.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $1,075.00 on Loan Estimate but disclosed as $2,125.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-09-04): XXXXX<br>Buyer Comment (2025-09-03): XXXXX | 09/04/2025 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 29862165 | 34869521 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. CU and LCA results are contradictory. Missing Secondary Valuation. Sec ID: 98 |  | Secondary valuation was not provided. |  |  |  | Reviewer Comment (2025-09-05): XXXXX<br>Buyer Comment (2025-09-03): XXXXX | 09/05/2025 |  |  | 1<br> A |  | TN | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29862165 | 34869523 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $2,125.00 exceeds tolerance of $1,075.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): XXXXX |  | 09/08/2025 |  | 1<br> A |  | TN | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21105974 | 34869636 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject transaction is purchase of second home and final 1003 states primary occupancy by borrower. |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-11): XXXXX | 09/15/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21105974 | 34869638 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Subject transaction is purchase of second home and final 1003 declaration section incorrectly disclosed as intent occupy as primary. |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-11): XXXXX | 09/15/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21885848 | 35167216 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $209.25 exceeds tolerance of $130.00 plus 10% or $143.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure provided at Closing. |  |  |  | Reviewer Comment (2025-12-05): XXXXX |  | 12/05/2025 |  | 1<br> A |  | NH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21885848 | 35182667 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File is missing the AUS document. |  |  |  | Reviewer Comment (2025-12-16): XXXXX<br>Seller Comment (2025-12-15): XXXXX | 12/16/2025 |  |  | 1<br> C<br> A |  | NH | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20999389 | 35167881 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $760.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-05): XXXXX |  | 12/05/2025 |  | 1<br> A |  | GA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 20999389 | 35183493 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/09/2025 | 2<br> B |  | GA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26743933 | 35039026 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 in Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2025-11-21): XXXXX |  | 11/21/2025 |  | 1<br> A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21683767 | 35149991 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2<br> B |  | MD | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24764951 | 35325172 |  | 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 $242.58 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $130.00 on LE but disclosed as $242.58 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-31): XXXXX |  | 12/31/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24764951 | 35325181 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 01/06/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21392813 | 35246755 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/18/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21392813 | 35246757 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right of Rescission Disclosure is missing from file. |  |  |  | Reviewer Comment (2025-12-22): XXXXX<br>Seller Comment (2025-12-19): XXXXX | 12/22/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21392813 | 35246786 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/18/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26914531 | 35174320 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/10/2025 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26914531 | 35174323 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-08): XXXXX |  | 12/08/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 | 35174797 |  | 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 $0.00 exceeds tolerance of $-702.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-702.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-15): XXXXX<br>Seller Comment (2025-12-12): XXXXX | 12/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 | 35174798 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $823.50 exceeds tolerance of $0.00. $823.50 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $823.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $823.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-15): XXXXX | 12/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 | 35174799 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $200.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-16): XXXXX<br>Seller Comment (2025-12-15): XXXXX | 12/16/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 | 35174804 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/10/2025 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 29492442 | 35218059 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/17/2025 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23732093 | 35242106 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-24): XXXXX<br>Seller Comment (2025-12-18): XXXXX | 12/24/2025 |  |  | 1<br> B<br> A<br> C |  | NV | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23732093 | 35242107 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXXX is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXXX or XXXX%). |  |  |  |  | Reviewer Comment (2025-12-24): XXXXX<br>Seller Comment (2025-12-18): XXXXX | 12/24/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23732093 | 35242111 |  | 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. |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 12/17/2025 | 2<br> B |  | NV | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28158459 | 35355701 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 01/12/2026 | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28158459 | 35355740 |  | 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. | Title Policy Coverage is less than Original Loan Amount | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 01/12/2026 | 2<br> B |  | FL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21731908 | 35161491 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Buyer Comment (2025-10-21): XXXXX | 10/21/2025 |  |  | 1<br> C<br> A |  | IL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21731908 | 35161494 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $XXXX due to addition of Title-Settlement/Closing/Escrow, Title-Lenders Title Insurance, Recording, Title-Abstract/Title Search and Title-Lenders Coverage Premium fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2025-10-14): XXXXX |  | 10/14/2025 |  | 1<br> A |  | IL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21731908 | 35161495 |  | Credit | TRID | General | TRID | Escrow holdbacks are present. | Escrow Holdback Amount: ___ | Possible escrow holdback present. Final CD Section H reflects "incomplete Holdback" $300. review for acceptance. |  |  |  | Reviewer Comment (2025-10-30): XXXXX<br>Buyer Comment (2025-10-30): XXXXX<br>Reviewer Comment (2025-10-23): XXXXX<br>Buyer Comment (2025-10-21): XXXXX | 10/30/2025 |  |  | 1<br> C<br> A |  | IL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25148352 | 35335798 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Seller Comment (2026-01-12): XXXXX | 01/13/2026 |  |  | 1<br> C<br> A |  | NC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 | 35322740 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file was missing a copy of the Appraisal Report 1004. |  |  |  | Reviewer Comment (2026-01-12): XXXXX<br>Seller Comment (2026-01-12): XXXXX | 01/12/2026 |  |  | 1<br> D<br> A |  | AL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 | 35322744 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2026-01-12): XXXXX | 01/12/2026 |  |  | 1<br> C<br> A |  | AL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 | 35322751 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2026-01-27): XXXXX |  |  | 01/06/2026 | 2<br> B |  | AL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 | 35322756 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-01-12): XXXXX<br>Seller Comment (2026-01-12): XXXXX | 01/12/2026 |  |  | 1<br> D<br> A |  | AL | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20679681 | 35354731 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file |  |  |  | Reviewer Comment (2026-01-14): XXXXX<br>Seller Comment (2026-01-13): XXXXX | 01/14/2026 |  |  | 1<br> C<br> A |  | KY | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20679681 | 35354758 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $123.60. |  |  |  | Reviewer Comment (2026-01-07): XXXXX |  | 01/07/2026 |  | 1<br> A |  | KY | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279024 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 days prior to closing was not provided. |  |  |  | Buyer Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-10-13): XXXXX<br>Buyer Comment (2025-10-10): XXXXX |  |  | 10/14/2025 | 2<br> B |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279025 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates or a waiver |  |  |  | Buyer Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-10-13): XXXXX<br>Buyer Comment (2025-10-10): XXXXX |  |  | 10/14/2025 | 2<br> B |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279026 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX). | Finance Charge disclosed is $XXXXCalculated finance charge is $XXXX. Variance of $XXXX. |  |  |  | Reviewer Comment (2025-09-19): XXXXX | 09/19/2025 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279027 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX). | Amount Finance disclosed is $XXXX Calculated Amount Finance is $XXXX. Variance of $XXXX. |  |  |  | Reviewer Comment (2025-09-19): XXXXX<br>Buyer Comment (2025-09-18): XXXXX<br>Reviewer Comment (2025-09-17): XXXXX<br>Buyer Comment (2025-09-16): XXXXX | 09/19/2025 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279028 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-09-19): XXXXX | 09/19/2025 |  |  | 1<br> A |  | NC | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279029 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $31.00 plus 10% or $34.10. Sufficient or excess cure was provided to the borrower at Closing. | Total amount of $90.00 exceeds tolerance of $31.00 plus 10% or $34.10. Sufficient cure has been provided. |  |  |  | Reviewer Comment (2025-09-12): XXXXX |  | 09/12/2025 |  | 1<br> A |  | NC | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279031 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Appraiser did not analyze the purchase contract |  | Subject is a purchase transaction, however Appraisal report assignment type reflecting as Other (Equity). Require updated Appraisal report showing loan purpose as Purchase. |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Buyer Comment (2025-10-15): XXXXX | 10/16/2025 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | 35279033 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | [ New exception as a result of appraisal delivery document in file ] File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-10-14): XXXXX |  |  | 10/14/2025 | 2<br> B |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26372374 | 35279062 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement is missing in the file. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Buyer Comment (2025-10-03): XXXXX | 10/03/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26372374 | 35279064 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | As per 1003/1008/AUS reflect tax amount $XXXXX monthly where is Final CD/PCCD and First payment letter reflect tax amount $XXXXX monthly. Require Tax certificate to verify $XXXXX monthly. Additionally require updated 1003/1008/AUS reflecting Tax amount $XXXXX monthly (DTI variance more than 3%). |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>Reviewer Comment (2025-10-06): XXXXX<br>Buyer Comment (2025-10-03): XXXXX | 10/14/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26372374 | 35279065 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | 1003 declaration section F reflect borrower is a co-signer or guarantor on any debt or loan that is not disclosed on loan application, required supporting document for the same. |  |  |  | Reviewer Comment (2025-10-06): XXXXX<br>Buyer Comment (2025-10-03): XXXXX | 10/06/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26445286 | 35279075 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Lien Position: Unable to determine lien position from loan documents provided. |  | Solar panel is reflecting on subject property and creating an easement on final title report. As per guidelines, Any item that that will include a UCC associated with the property and/or will create an easement on title is not eligible. Review for acceptance. |  |  |  | Reviewer Comment (2025-10-02): XXXXX<br>Buyer Comment (2025-09-30): XXXXX | 10/02/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21107412 | 35279138 |  | Property | Valuation | Valuation Issue | Valuation | XXXXX program guidelines require a XXXXX (Desk Review) |  | LCA Risk score could not be assessed and its AUS LP hence require XXXXX (Desk Review).<br> The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Buyer Comment (2025-10-14): XXXXX | 10/15/2025 |  |  | 1<br> C<br> A |  | TX | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279146 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The verification of employment within 10 business days of the Note not provided. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-08): XXXXX | 10/09/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279147 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Property Address "XXXXX" - Require Mortgage Statement to confirm taxes and insurance are escrowed. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Buyer Comment (2025-10-02): XXXXX<br>Reviewer Comment (2025-09-23): XXXXX<br>Buyer Comment (2025-09-22): XXXXX | 10/03/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279148 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of XX/XX/XX did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing XXXXX be unreliable. Closing Disclosure dated XX/XX/XX used to source fees for testing. | Closing disclosure provided, did not include an issue date. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Buyer Comment (2025-10-02): XXXXX | 10/03/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279149 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing disclosure provided, did not include an issue date. |  |  |  | Reviewer Comment (2025-10-03): XXXXX<br>Buyer Comment (2025-10-02): XXXXX | 10/03/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Good Faith Redisclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279150 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-03): XXXXX | 10/03/2025 |  |  | 1<br> A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279151 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $850.00. Insufficient or no cure was provided to the borrower. | Missing COC and no cure provided. COC dated XX/XX/XX but subsequent timely LE not in file. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-16): XXXXX | 09/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279152 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $200.00 on Final Closing Disclosure. Sufficient cure provided and this will be cleared when the appraisal fee tolerance is cured. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-16): XXXXX | 09/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279153 |  | 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 XXXXXs. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | XXXXXs Fee was last disclosed as $0.00 on LE but disclosed as $120.00 on Final Closing Disclosure. Sufficient cure provided and this will be cleared when the appraisal fee tolerance is cured. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-16): XXXXX | 09/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $150.00 exceeds tolerance of $145.00. Insufficient or no cure was provided to the borrower. | Appraisal Management Company Fee was last disclosed as $145.00 on LE but disclosed as $150.00 on Final Closing Disclosure. Sufficient cure provided and this will be cleared when the appraisal fee tolerance is cured. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-16): XXXXX | 09/16/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279155 |  | Credit | Missing Document | General | Missing Document | Missing Document: VVOE not provided |  | The verification of employment within 10 business days of the Note not provided. Credit related |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-08): XXXXX | 10/09/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279156 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE missing for Co-Borrower. Compliance related |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-08): XXXXX | 10/09/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279157 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-08): XXXXX | 10/09/2025 |  |  | 1<br> B<br> A<br> C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Missing VVOE for Co-Borrower |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-08): XXXXX | 10/09/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279159 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): XXXXX |  | 09/16/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279160 |  | 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 XXXXXs. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): XXXXX |  | 09/16/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279161 |  | 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 Management Company (Service Fee). Fee Amount of $150.00 exceeds tolerance of $145.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): XXXXX |  | 09/16/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279162 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of XX/XX/XX did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing XXXXX be unreliable. Closing Disclosure dated XX/XX/XX used to source fees for testing. |  |  |  |  | Reviewer Comment (2025-10-03): XXXXX | 10/03/2025 |  |  | 1<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | 35279163 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Issue Date missing |  |  |  | Reviewer Comment (2025-10-03): XXXXX | 10/03/2025 |  |  | 1<br> A |  | TX | Primary | Purchase | Good Faith Redisclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26994848 | 35279167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as $XXX on Initial LE and $XXX on Final CD. File does not contain a valid COC for this fee, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-10-10): XXXXX<br>Buyer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-03): XXXXX<br>Reviewer Comment (2025-10-03): XXXXX<br>Buyer Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-30): XXXXX<br>Buyer Comment (2025-09-26): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-23): XXXXX | 10/10/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26994848 | 35279168 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Borrower is qualified with Self employment income for year XXXXX and XXXXX. Therefore Transcripts for year XXXXX and XXXXX is required. |  |  |  | Reviewer Comment (2025-09-25): XXXXX<br>Buyer Comment (2025-09-25): XXXXX | 09/25/2025 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 21167632 | 35279215 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Final 1003 section 5a indicates subject is to be a primary residence while 4a indicate it is Second Home. Provide corrected 1003 for co borrower |  |  |  | Reviewer Comment (2025-10-17): XXXXX<br>Buyer Comment (2025-10-16): XXXXX | 10/17/2025 |  |  | 1<br> C<br> A |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27378779 | 35279219 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Require a Letter of Explanation (LOX) or source of funds for the large deposits of $XXXX and $XXXmade to the XXXXX account ending in XXXXX on XX/XX/XX and XX/XX/XX, respectively. |  |  |  | Reviewer Comment (2025-10-10): XXXXX<br>Buyer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-06): XXXXX<br>Buyer Comment (2025-10-03): XXXXX<br>Reviewer Comment (2025-09-29): XXXXX<br>Buyer Comment (2025-09-29): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-24): XXXXX | 10/10/2025 |  |  | 1<br> C<br> A |  | DC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27378779 | 35279220 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-23): XXXXX | 09/24/2025 |  |  | 1<br> B<br> A |  | DC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28661729 | 35279278 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure was provided at closing. Missing initial CD. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-07): XXXXX | 10/07/2025 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 28661729 | 35279280 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | In Final CD page4 Will not have an escrow account because, "declined " or "lender does not offer" condition is not checked. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-07): XXXXX |  | 10/07/2025 |  | 2<br> C<br> B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 28661729 | 35279282 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-10-09): XXXXX<br>Buyer Comment (2025-10-09): XXXXX | 10/09/2025 |  |  | 1<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27054161 | 35279356 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | This exception will be cleared once all QM failure specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>Buyer Comment (2025-10-10): XXXXX | 10/14/2025 |  |  | 1<br> B<br> A<br> C |  | ID | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 27054161 | 35279357 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.16965% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXX5%). | Provide undiscounted rate for further testing. Compliance report reflects 0% |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>Buyer Comment (2025-10-10): XXXXX | 10/14/2025 |  |  | 1<br> C<br> A |  | ID | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 27054161 | 35279360 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 provided with borrower sign date XX/XX/XX, however Loan Originator Signature is missing. Required final 1003 with Loan Originator Signature and date. |  |  |  | Reviewer Comment (2025-10-14): XXXXX<br>Buyer Comment (2025-10-10): XXXXX | 10/14/2025 |  |  | 1<br> C<br> A |  | ID | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280053 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-08-06): XXXXX<br>Buyer Comment (2025-08-05): XXXXX | 08/06/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280054 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI mismatch due to rental income is incorrectly captured in the worksheet. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>Reviewer Comment (2025-09-09): XXXXX<br>Reviewer Comment (2025-08-22): XXXXX<br>Buyer Comment (2025-08-20): XXXXX | 09/11/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to Third Party verification is missing in file for partnership and S-corp income - XXXXX and XXXXX and excessive DTI |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Reviewer Comment (2025-08-22): XXXXX<br>Buyer Comment (2025-08-20): XXXXX | 10/16/2025 |  |  | 1<br> B<br> A<br> C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280057 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $296.00 plus 10% or $325.60. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $296.00 plus 10% or $325.60. No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2025-08-19): XXXXX<br>Buyer Comment (2025-08-18): XXXXX | 08/19/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $2,450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Extension Fee on closing disclosure is $2,450.00 and on loan estimate $0.00. No Valid Change circumstance in file. |  |  |  | Reviewer Comment (2025-08-22): XXXXX<br>Buyer Comment (2025-08-21): XXXXX<br>Reviewer Comment (2025-08-19): XXXXX<br>Buyer Comment (2025-08-18): XXXXX | 08/22/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280059 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to Third Party verification is missing in file for partnership and S-corp income - XXXXX and XXXXX and excessive DTI |  |  |  | Reviewer Comment (2025-08-22): XXXXX<br>Buyer Comment (2025-08-20): XXXXX | 09/11/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280060 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Discrepancy appears to be due to differences in rental calculations. |  |  |  | Reviewer Comment (2025-09-11): XXXXX<br>Reviewer Comment (2025-08-22): XXXXX<br>Buyer Comment (2025-08-20): XXXXX | 09/11/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280061 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 55.77651% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Discrepancy is due to differences in the rental calculations. |  |  |  | Reviewer Comment (2025-09-09): XXXXX<br>Reviewer Comment (2025-08-22): XXXXX<br>Buyer Comment (2025-08-20): XXXXX<br>Reviewer Comment (2025-08-13): XXXXX<br>Buyer Comment (2025-08-11): XXXXX | 09/09/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280062 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The most recent tax returns provided are from XXXXX. |  |  |  | Reviewer Comment (2025-08-07): XXXXX<br>Buyer Comment (2025-08-05): XXXXX |  |  | 08/07/2025 | 2<br> B |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The most recent tax returns provided are from XXXXX. |  |  |  | Reviewer Comment (2025-08-07): XXXXX<br>Buyer Comment (2025-08-05): XXXXX |  |  | 08/07/2025 | 2<br> B |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280064 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The most recent tax returns provided are from XXXXX. |  |  |  | Reviewer Comment (2025-08-07): XXXXX<br>Buyer Comment (2025-08-05): XXXXX |  |  | 08/07/2025 | 2<br> B |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280066 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-22): XXXXX |  | 08/22/2025 |  | 1<br> A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | 35280067 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third Party verification is missing in file for partnership and S-corp income - XXXXX and XXXXX |  |  |  | Reviewer Comment (2025-10-16): XXXXX<br>Buyer Comment (2025-10-16): XXXXX<br>Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-06): XXXXX<br>Reviewer Comment (2025-10-06): XXXXX<br>Buyer Comment (2025-10-02): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Buyer Comment (2025-09-29): XXXXX | 10/16/2025 |  |  | 1<br> A |  | NY | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 | 35280211 |  | 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 $-3,300.00 exceeds tolerance of $-5,681.00. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-5,681.00on Loan Estimate but disclosed as $-3,300.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-06): XXXXX | 10/07/2025 |  |  | 1<br> C<br> A |  | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 | 35280212 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $412.20 exceeds tolerance of $291.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $291.00 on Loan Estimate but disclosed as $412.20 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-06): XXXXX | 10/07/2025 |  |  | 1<br> C<br> A |  | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 | 35280213 |  | 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 $930.70 exceeds tolerance of $246.00. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $246.00 on Loan Estimate but disclosed as $930.70 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-07): XXXXX<br>Buyer Comment (2025-10-06): XXXXX | 10/07/2025 |  |  | 1<br> C<br> A |  | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 | 35280214 |  | 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 $412.20 exceeds tolerance of $291.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-10-07): XXXXX |  | 10/07/2025 |  | 1<br> A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 | 35280215 |  | 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 $930.70 exceeds tolerance of $751.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-10-07): XXXXX |  | 10/07/2025 |  | 1<br> A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 23236971 | 35280513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations. | E-sign consent of XX/XX/XX id after the initial loan estimate of XX/XX/XX |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Buyer Comment (2025-10-14): XXXXX | 10/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23236971 | 35280514 |  | 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 $266.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-10): XXXXX |  | 10/10/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 | 35281037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. $0.90 over legal limit. Insufficient or no cure was provided to the borrower. | Ten percent fee tolerance violation due to no valid Change of Circumstance or sufficient Lender cure noted in the file. |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>Buyer Comment (2025-10-31): XXXXX | 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 | 35281038 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXXX exceeds tolerance of $XXXX0. $2,383.20 over legal limit. Insufficient or no cure was provided to the borrower. | 0 percent fee tolerance violation due to no valid Change of Circumstance or sufficient Lender cure noted in the file. |  |  |  | Reviewer Comment (2025-11-05): XXXXX<br>Buyer Comment (2025-11-04): XXXXX | 11/05/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 | 35281039 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $600.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance or Sufficient Lender cure noted in the file. |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>Buyer Comment (2025-10-31): XXXXX | 11/03/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 | 35281040 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): XXXXX |  | 11/05/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 | 35281041 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): XXXXX |  | 11/05/2025 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360513 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Agreement not provided. |  |  |  | Reviewer Comment (2025-09-24): XXXXX<br>Buyer Comment (2025-09-23): XXXXX | 09/24/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360514 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Unable to exclude XXXXX from DTI, supporting document account was paid prior to closing was not provided. |  |  |  | Reviewer Comment (2025-10-01): XXXXX<br>Buyer Comment (2025-09-30): XXXXX | 10/01/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360515 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Unable to exclude XXXXX from DTI, supporting document account was paid prior to closing was not provided. |  |  |  | Reviewer Comment (2025-10-01): XXXXX | 10/01/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360516 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment within 10 days of closing not provided in file. |  |  |  | Reviewer Comment (2025-10-31): XXXXX<br>Buyer Comment (2025-10-31): XXXXX | 10/31/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360517 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment within 10 days of closing not provided in file. |  |  |  | Reviewer Comment (2025-10-31): XXXXX<br>Buyer Comment (2025-10-31): XXXXX | 10/31/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360521 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.41157% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Source documents not provided in file to exclude XXXXX debt from DTI ratio. |  |  |  | Reviewer Comment (2025-10-01): XXXXX | 10/01/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | 35360523 |  | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | XXXXX Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | Waterfall due to Source documents not provided in file to exclude XXXXX debt from DTI ratio and Verification of employment within 10 days of closing not provided in file. |  |  |  | Reviewer Comment (2025-10-31): XXXXX<br>Buyer Comment (2025-10-31): XXXXX | 10/31/2025 |  |  | 1<br> B<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 23197103 | 35360579 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $695.00 exceeds tolerance of $550.00. $145.00 over legal limit. Insufficient or no cure was provided to the borrower. | The appraisal fee of $550 was initially disclosed to the borrower on the Loan Estimate dated XX/XX/XX. However, it was later disclosed as $695 on the Closing Disclosure dated XX/XX/XX, reflecting an increase of $145. No change of circumstances or cure was provided to the borrower to justify this increase. |  |  |  | Reviewer Comment (2025-11-12): XXXXX<br>Buyer Comment (2025-11-11): XXXXX<br>Reviewer Comment (2025-10-28): XXXXX<br>Buyer Comment (2025-10-27): XXXXX<br>Reviewer Comment (2025-10-27): XXXXX<br>Buyer Comment (2025-10-23): XXXXX<br>Reviewer Comment (2025-10-23): XXXXX<br>Buyer Comment (2025-10-22): XXXXX |  | 11/12/2025 |  | 2<br> C<br> B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 22887363 | 35360747 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $XXXX. |  |  |  | Reviewer Comment (2025-11-18): XXXXX<br>Buyer Comment (2025-11-17): XXXXX | 11/18/2025 |  |  | 1<br> C<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25584005 | 35726386 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - |  |  |  |  | Reviewer Comment (2025-12-01): XXXXX<br>Buyer Comment (2025-11-26): XXXXX | 12/01/2025 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 25584005 | 35726389 |  | 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 $XXX exceeds tolerance of $XXXX Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-17): XXXXX |  | 11/17/2025 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

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## Exhibit 99.1

![](logo_situs.jpg)

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| **Valuation Report** |
| **Run Date - 2/5/2026 6:08:25 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.690% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26279724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25349149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28625331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23212246 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20696858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 29711442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22424134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.980% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29849524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22834399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26891453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21320632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22222738 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24716271 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 21478216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26854029 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26887341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.890% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22629774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23978670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 28821389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25788331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27340722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 25173810 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 21175053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25136703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24228944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20507766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29657460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28708266 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23490030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28828079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 26461040 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26276651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26078597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25920397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.130% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23797557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27002785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.720% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26552284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 29244075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28262955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25880667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25787965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24958393 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.830% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23424977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26796113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20290373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21338782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27258157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26121843 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 25729265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 25605847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29299338 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24467145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 22117667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28613464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23408704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24899419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 24167535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22317291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21260180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28616735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27638687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21476131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.890% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 29510293 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28762984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26877722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23214856 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29985964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29362241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25182333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23013433 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.880% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24347743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25087037 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22258680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20938890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21670023 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23031641 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25892366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22472187 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23761621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29660577 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26347527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28510728 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27843401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22208201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26230339 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28402847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23477318 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21310901 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28927139 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22945944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22160768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 22657079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23303995 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28059332 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21850324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23563685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22673602 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23902576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22369777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 26483365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25982153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25224343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29756568 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25094832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29579082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26184253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.900% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27952707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22563297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 26541808 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26126761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27388116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23672034 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29624555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 25708620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24149183 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28494893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23304896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25474735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22174821 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 24209150 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26818164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25660586 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28639157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22310876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27117679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29366441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29843167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24289142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28092231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22535971 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29481358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24455072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23670883 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29091562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29039892 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27571113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20512692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23353532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.860% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20531146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22204404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29862165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21105974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28826306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29041693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21885848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21155954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20999389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26743933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21683767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28229830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24764951 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21392813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20582184 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26914531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25382709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29492442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23732093 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28158459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21731908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27817121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25148352 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20352911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20679681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23330593 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26372374 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26445286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29170668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21107412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26994848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.230% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21167632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27378779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28661729 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29926960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27054161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23236971 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21809206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23197103 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22887363 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25584005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28645954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |

---

## Exhibit 99.1

![](logo_situs.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 2/5/2026 6:08:25 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [redacted] | [redacted] | [redacted] | [redacted] | 22469975 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5694.75 | $10345.70 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $197247.13 | 1 | $52461.12 | $6716.04 | $4371.76 | $559.67 |  |  |  |  |  | 8.081% | 8.081% | 8.081% | 5/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5694.75 |  | 6.750% | $0.00 | 4.8 | DU |  | ApproveIneligible | No | No | XXX | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 76.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26279724 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2020.00 | $669.08 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10167.64 | 1 | $7060.80 | $3555.96 | $588.40 | $296.33 |  |  |  |  |  | 41.773% | 41.773% | 41.773% | 7/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2020.00 |  | 6.770% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 1 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25349149 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $5474.37 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $11538.11 | 1 | $16097.76 | $1430.04 | $1341.48 | $119.17 |  |  |  |  |  | 42.964% | 42.964% | 42.964% | 7/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.610% | $385921.00 | 1.0 | DU |  | ApproveEligible | No | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX | 17.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28625331 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2395.00 | $6477.68 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $10420.50 | 1 | $14403.24 | $3404.52 | $1200.27 | $283.71 |  |  |  |  |  | 48.075% | 48.075% | 48.075% | 7/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2395.00 |  | 6.750% | $128046.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX | 41.060% | No | 31 | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 47.77 |  |  | No |  | $0.00 | $10068.31 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25617780 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11480.33 | $17024.41 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $54761.08 | 1 | $1082.64 | $4497.72 | $90.22 | $374.81 |  |  |  |  |  | 16.889% | 16.889% | 16.889% | 7/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; 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<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11480.33 |  | 6.750% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX |  | No | 31 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 74.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23212246 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $39778.50 | $42546.71 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17575.21 | 1 | $12650.40 | $4272.00 | $1054.20 | $356.00 |  |  |  |  |  | 38.462% | 38.462% | 38.462% | 5/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $39778.50 |  | 6.750% | $173.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX | 67.910% | No |  | 23 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 82.71 |  |  | No |  | $0.00 | $28559.97 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20696858 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1750.00 | $6537.27 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $16618.95 | 1 | $15534.00 | $1018.44 | $1294.50 | $84.87 |  |  |  |  |  | 29.029% | 29.029% | 29.029% | 8/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1750.00 |  | 6.540% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 22.79 |  |  | No |  | $0.00 | $9583.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29711442 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16980.00 | $13631.80 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $19868.64 | 1 | $9975.72 | $600.96 | $831.31 | $50.08 |  |  |  |  |  | 23.089% | 23.089% | 23.089% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16980.00 |  | 6.750% | $32550.00 | 1.4 | DU |  | ApproveEligible | No | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 50.560% | No | 19 | 6 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 54.84 |  |  | No |  | $0.00 | $13750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22424134 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1376.00 | $3087.92 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $24057.57 | 1 | $25159.92 | $6501.00 | $2096.66 | $541.75 |  |  |  |  |  | 44.866% | 44.866% | 44.866% | 8/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1376.00 |  | 6.750% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 2 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 10.62 |  |  | No |  | $8168.94 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531066 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4832.00 | $53235.14 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $18033.57 | 1 | $25144.20 | $4001.04 | $2095.35 | $333.42 |  |  |  |  |  | 48.966% | 48.966% | 48.966% | 8/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4832.00 |  | 6.750% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 55.510% | No | 31 | 12 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 58.08 |  | Yes | No |  | $0.00 | $15833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29849524 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18929.92 | $7549.10 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $29577.10 | 1 | $13980.96 | $4953.96 | $1165.08 | $412.83 |  |  |  |  |  | 30.746% | 30.746% | 30.746% | 8/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18929.92 |  | 6.750% | $28400.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 83.650% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 109.19 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22834399 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $3884.50 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $25635.97 | 1 | $29016.72 | $12411.96 | $2418.06 | $1034.33 |  |  |  |  |  | 44.486% | 44.486% | 44.486% | 8/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 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 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1740.00 |  | 6.630% | $2500.00 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 80.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 77.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26891453 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $12280.95 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $19516.05 | 1 | $4623.12 | $3020.64 | $385.26 | $251.72 |  |  |  |  |  | 36.723% | 36.723% | 36.723% | 8/XX/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.630% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25637553 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11448.95 | $8542.91 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $15513.24 | 1 | $5142.72 | $1835.04 | $428.56 | $152.92 |  |  |  |  |  | 44.849% | 44.849% | 44.849% | 8/XX/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11448.95 |  | 6.540% | $13560.52 | 2.6 | DU |  | ApproveIneligible | No | No | XXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 33.260% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 23.38 |  | Yes | No |  | $7139.82 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21320632 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $5710.45 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $23174.65 | 1 | $2558.28 | $2387.04 | $213.19 | $198.92 |  |  |  |  |  | 28.431% | 28.431% | 28.431% | 9/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.630% | $12000.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 2 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 290.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22222738 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20000.00 | ($749.03) |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $189441.28 | 1 | $19356.36 | $15107.04 | $1613.03 | $1258.92 |  |  |  |  |  | 8.938% | 8.938% | 8.938% | 8/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $20000.00 |  | 6.630% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24716271 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10315.00 | $16498.46 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $18860.53 | 1 | $14250.00 | $2841.00 | $1187.50 | $236.75 |  |  |  |  |  | 35.312% | 35.312% | 35.312% | 8/XX/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10315.00 |  | 6.610% | $18240.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | XXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 30.740% | No | 5 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.41 |  | Yes | No |  | $0.00 | $19333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21478216 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.68 | $11081.04 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $17540.81 | 1 | $16702.44 | $5547.36 | $1391.87 | $462.28 |  |  |  |  |  | 38.091% | 38.091% | 38.091% | 7/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; VVOE - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.68 |  | 6.610% | $0.00 | 3.2 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX | 60.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26854029 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10918.29 | $13507.36 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $8980.73 | 1 | $3380.28 | $2332.44 | $281.69 | $194.37 |  |  |  |  |  | 49.658% | 49.658% | 49.658% | 8/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10918.29 |  | 6.610% | $20000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 11.040% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.3 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26887341 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $5322.66 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  | $38141.29 | 1 | $35985.96 | $3669.24 | $2998.83 | $305.77 |  |  |  |  |  | 32.318% | 32.318% | 32.318% | 8/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.630% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXX | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 42.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22629774 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6118.39 | $7622.81 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $25626.57 | 1 | $18146.16 | $4476.00 | $1512.18 | $373.00 |  |  |  |  |  | 31.663% | 31.663% | 31.663% | 8/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6118.39 |  | 6.630% | $8000.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 56.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 55.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23978670 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1420.00 | $4127.23 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  | $52275.96 | 1 | $16052.76 | $3936.36 | $1337.73 | $328.03 |  |  |  |  |  | 20.799% | 20.799% | 20.799% | 8/XX/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1420.00 |  | 6.630% | $350.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | 10/XX/2055 | XXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 701.6 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28821389 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $1044.39 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $25825.65 | 1 | $5011.44 | $1944.96 | $417.62 | $162.08 |  |  |  |  |  | 26.433% | 26.433% | 26.433% | 7/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.630% | $10000.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 43.970% | No | 32 | 32 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 37.2 |  | No | No |  | $0.00 | $10790.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25788331 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24787.12 | $29965.20 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $29742.92 | 1 | $9542.04 | $12131.04 | $795.17 | $1010.92 |  |  |  |  |  | 24.808% | 24.808% | 24.808% | 7/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $24787.12 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 29.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24170149 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.85 | $10453.07 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $8277.98 | 1 | $3877.08 | $6270.96 | $323.09 | $522.58 |  |  |  |  |  | 47.682% | 47.682% | 47.682% | 8/XX/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.85 |  | 6.630% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 18.75 |  |  | No |  | $4174.11 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27340722 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27690.00 | $31528.83 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $37342.67 | 1 | $21896.16 | $2222.52 | $1824.68 | $185.21 |  |  |  |  |  | 19.185% | 19.185% | 19.185% | 6/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $27690.00 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25173810 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18880.00 | $21636.88 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $36664.77 | 1 | $29712.24 | $2050.68 | $2476.02 | $170.89 |  |  |  |  |  | 31.558% | 31.558% | 31.558% | 9/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18880.00 |  | 6.630% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  | 4 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.51 |  |  | No |  | $0.00 | $35416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24476007 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $3515.20 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed | Not Employed | Employed | 0 | 25.76 | US Citizen | US Citizen | US Citizen | US Citizen |  |  | $40131.23 | 1 | $2436.00 | $2325.84 | $203.00 | $193.82 |  |  |  |  |  | 35.057% | 35.057% | 35.057% | 9/XX/2025 | 764 | 784 | 804 | 774 | 791 | 774 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 - No Results Returned - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.630% | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 36.900% | No | 32 |  |  | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  | 214.55 |  | No | No |  | $0.00 | $37667.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21175053 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5901.79 | $9300.89 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $21296.27 | 1 | $22988.28 | $3196.92 | $1915.69 | $266.41 |  |  |  |  |  | 49.566% | 49.566% | 49.566% | 8/XX/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5901.79 |  | 6.630% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25136703 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1815.00 | $0.00 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $7960.28 | 1 | $10368.00 | $5656.68 | $864.00 | $471.39 |  |  |  |  |  | 49.760% | 49.760% | 49.760% | 7/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1815.00 |  | 6.630% | $50000.00 | 1.0 | DU |  | ApproveEligible | No | No | XXX | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 20.870% | No | 14 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24228944 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1499.00 | $5799.11 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $15887.36 | 1 | $5672.40 | $2738.04 | $472.70 | $228.17 |  |  |  |  |  | 43.964% | 43.964% | 43.964% | 8/XX/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX | 31.140% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.21 |  | No | No |  | $0.00 | $12013.04 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20507766 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $2760.10 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $21910.91 | 1 | $17554.32 | $3660.96 | $1462.86 | $305.08 |  |  |  |  |  | 30.037% | 30.037% | 30.037% | 8/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.570% | $14709.44 | 2.7 | DU |  | ApproveEligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 37.650% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 32.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29657460 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24385.50 | $9307.45 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $23673.08 | 1 | $10355.76 | $5519.04 | $862.98 | $459.92 |  |  |  |  |  | 29.680% | 29.680% | 29.680% | 9/XX/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $24385.50 |  | 6.570% | $0.00 | 2.1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 10/XX/2055 | XXX | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 42.98 |  | Yes | No |  | $1918.60 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28708266 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12543.44 | $15661.76 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $13898.18 | 1 | $7368.24 | $1814.04 | $614.02 | $151.17 |  |  |  |  |  | 40.436% | 40.436% | 40.436% | 9/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12543.44 |  | 6.570% | $0.00 | 2.2 | DU |  | ApproveEligible | No | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 100.000% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 185.5 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23490030 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2244.95 | $14481.59 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $97833.82 | 1 | $7292.16 | $2670.00 | $607.68 | $222.50 |  |  |  |  |  | 7.730% | 7.730% | 7.730% | 8/XX/2025 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2244.95 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 1 | 0 | 1 | 0 | 4 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 47.370% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 43.88 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28828079 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1465.00 | $5985.21 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13719.65 | 1 | $3336.84 | $3503.64 | $278.07 | $291.97 |  |  |  |  |  | 42.534% | 42.534% | 42.534% | 9/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1465.00 |  | 6.290% | $5000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX | 23.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 3 |  | No | No |  | $0.00 | $14910.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26461040 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13472.70 | $22978.69 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $14275.86 | 1 | $26412.36 | $3618.96 | $2201.03 | $301.58 |  |  |  |  |  | 48.669% | 48.669% | 48.669% | 8/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; 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) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13472.70 |  | 6.570% | $13401.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX | 100.000% | No | 25 | 5 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 153.23 |  | No | No |  | $17000.00 | $2361.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26276651 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.49 | $12725.72 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $16251.00 | 1 | $7261.32 | $3753.96 | $605.11 | $312.83 |  |  |  |  |  | 40.762% | 40.762% | 40.762% | 10/XX/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.49 |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  | HELOC | No |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No |  | 32 |  |  | 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 | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.01 |  |  | No |  | $0.00 | $27433.35 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26078597 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17389.50 | $19520.00 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $20491.88 | 1 | $24107.16 | $2449.44 | $2008.93 | $204.12 |  |  |  |  |  | 35.398% | 35.398% | 35.398% | 9/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17389.50 |  | 6.570% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 11.42 |  |  | No |  | $0.00 | $13750.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25920397 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3238.75 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $47999.18 | 1 | $22559.28 | $9335.04 | $1879.94 | $777.92 |  |  |  |  |  | 34.320% | 34.320% | 34.320% | 9/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.540% | $0.00 | 1.9 | DU |  | ApproveIneligible | No | No | XXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 46.770% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 54.66 |  | Yes | No |  | $0.00 | $73080.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23797557 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11653.75 | $18950.72 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13435.32 | 1 | $18426.12 | $3168.96 | $1535.51 | $264.08 |  |  |  |  |  | 44.066% | 44.066% | 44.066% | 9/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11653.75 |  | 6.220% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.41 |  |  | No |  | $7769.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27002785 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2020.00 | $5241.60 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $372991.78 | 1 | $54939.48 | $41957.76 | $4578.29 | $3496.48 |  |  |  |  |  | 11.161% | 11.161% | 11.161% | 9/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2020.00 |  | 6.540% | $0.00 | 1.3 | DU |  | ApproveIneligible | No | No | XXX | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26552284 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2781.00 | $5069.56 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $11134.88 | 1 | $5792.28 | $4721.64 | $482.69 | $393.47 |  |  |  |  |  | 45.428% | 45.428% | 45.428% | 8/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2781.00 |  | 6.320% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX | 19.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29244075 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3973.29 | $1054.98 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $15820.88 | 1 | $15027.24 | $747.00 | $1252.27 | $62.25 |  |  |  |  |  | 40.673% | 40.673% | 40.673% | 9/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3973.29 |  | 6.320% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | XXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.28 |  | No | No |  | $0.00 | $11608.71 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28262955 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4810.51 | $9915.53 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $16352.47 | 1 | $15991.80 | $3819.00 | $1332.65 | $318.25 |  |  |  |  |  | 46.253% | 46.253% | 46.253% | 9/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4810.51 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25880667 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $10786.62 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $37011.89 | 1 | $22118.28 | $2947.80 | $1843.19 | $245.65 |  |  |  |  |  | 27.267% | 27.267% | 27.267% | 9/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.540% | $0.00 | 2.6 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 38.21 |  |  | No |  | $0.00 | $21149.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25787965 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $5012.35 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $19275.09 | 1 | $11558.88 | $1542.96 | $963.24 | $128.58 |  |  |  |  |  | 30.955% | 30.955% | 30.955% | 7/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1770.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 1 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No |  | 14 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 21.14 |  |  | No |  | $0.00 | $27916.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24958393 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8009.97 | $18371.27 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $66926.36 | 1 | $22315.56 | $13931.04 | $1859.63 | $1160.92 |  |  |  |  |  | 26.614% | 26.614% | 26.614% | 9/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8009.97 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No | 32 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 31.55 |  | No | No |  | $0.00 | $67691.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23424977 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16195.00 | $15977.44 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $15198.47 | 1 | $29262.48 | $1264.20 | $2438.54 | $105.35 |  |  |  |  |  | 48.305% | 48.305% | 48.305% | 9/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16195.00 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25591085 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8685.00 | $10548.21 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $70520.05 | 1 | $25046.04 | $4184.16 | $2087.17 | $348.68 |  |  |  |  |  | 15.383% | 15.383% | 15.383% | 9/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8685.00 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 2 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 108.22 |  |  | No |  | $61686.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27752573 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4044.84 | $5305.49 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  | $2831.81 | 1 | $548.28 | $1834.92 | $45.69 | $152.91 |  |  |  |  |  | 37.012% | 37.012% | 37.012% | 6/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4044.84 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveEligible | No | No | XXX | 0 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26796113 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12955.00 | $20861.13 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $13167.58 | 1 | $19376.40 | $3336.84 | $1614.70 | $278.07 |  |  |  |  |  | 41.908% | 41.908% | 41.908% | 9/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12955.00 |  | 6.540% | $0.00 | 2.5 | DU |  | ApproveEligible | Yes | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  | Not Stated |  |  |  | 10/XX/2055 | XXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20290373 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $5677.58 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $22650.43 | 1 | $12288.00 | $4179.84 | $1024.00 | $348.32 |  |  |  |  |  | 31.872% | 31.872% | 31.872% | 9/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.310% | $0.00 | 2.0 | DU |  | ApproveIneligible | Yes | No | XXX | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21338782 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $7918.00 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $61228.05 | 1 | $32099.04 | $1004.16 | $2674.92 | $83.68 |  |  |  |  |  | 28.893% | 28.893% | 28.893% | 9/XX/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.21 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27258157 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $7165.27 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10449.42 | 1 | $16264.44 | $1970.04 | $1355.37 | $164.17 |  |  |  |  |  | 47.753% | 47.753% | 47.753% | 9/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.540% | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | XXX | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $166723.64 | 17.270% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25872321 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1920.00 | $2440.00 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $30052.40 | 1 | $11163.96 | $696.96 | $930.33 | $58.08 |  |  |  |  |  | 27.333% | 27.333% | 27.333% | 9/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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) - \| Primary Income - Wages]; W-2 - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1920.00 |  | 6.220% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $207267.52 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 18.8 |  |  | No |  | $0.00 | $20006.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26121843 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $17407.24 | $21922.42 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $7970.88 | 1 | $2693.40 | $3240.96 | $224.45 | $270.08 |  |  |  |  |  | 48.397% | 48.397% | 48.397% | 9/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2018<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17407.24 |  | 6.540% | $5000.00 |  | DU |  | ApproveEligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $251539.37 | 33.140% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.18 |  | No | No |  | $2618.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25729265 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4185.00 | $9311.17 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $20339.75 | 1 | $3167.76 | $3888.96 | $263.98 | $324.08 |  |  |  |  |  | 39.053% | 39.053% | 39.053% | 9/XX/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4185.00 |  | 6.540% | $0.00 | 3.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $9857.95 |  | No |  | 9 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.58 |  | No | No |  | $0.00 | $11717.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27569648 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5935.78 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $63489.43 | 1 | $37451.04 | $11413.20 | $3120.92 | $951.10 |  |  |  |  |  | 20.382% | 20.382% | 20.382% | 8/XX/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer 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]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.220% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $243035.62 |  | No | 31 | 32 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.42 |  |  | No |  | $0.00 | $10237.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25605847 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1330.00 | $3440.20 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $33975.75 | 1 | $8984.64 | $10110.00 | $748.72 | $842.50 |  |  |  |  |  | 23.255% | 23.255% | 23.255% | 9/XX/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1330.00 |  | 6.540% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXX | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $1004391.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.99 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29299338 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1623.00 | $4118.40 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $29345.64 | 1 | $31250.04 | $8193.00 | $2604.17 | $682.75 |  |  |  |  |  | 40.008% | 40.008% | 40.008% | 7/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1623.00 |  | 6.540% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXX | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1797936.19 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 146.69 |  | No | No |  | $11182.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24467145 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14464.90 | $18641.91 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $21775.35 | 1 | $7390.56 | $2762.28 | $615.88 | $230.19 |  |  |  |  |  | 42.908% | 42.908% | 42.908% | 9/XX/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14464.90 |  | 6.540% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $17173.73 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.81 |  | No | No |  | $18689.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22117667 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5570.00 | $7097.75 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $14055.92 | 1 | $2836.08 | $1051.92 | $236.34 | $87.66 |  |  |  |  |  | 22.442% | 22.442% | 22.442% | 8/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 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<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5570.00 |  | 6.540% | $15570.00 | 1.2 | DU |  | ApproveEligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $210430.61 | 40.540% | No | 31 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 37.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28613464 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4411.46 | $8606.63 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17425.29 | 1 | $12329.04 | $7857.96 | $1027.42 | $654.83 |  |  |  |  |  | 43.914% | 43.914% | 43.914% | 9/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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) - \| Primary Income - Wages]; W-2 - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4411.46 |  | 6.540% | $289500.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $130926.14 | 9.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.9 |  | No | No |  | $0.00 | $11766.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23408704 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $2736.12 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $22721.63 | 1 | $11425.44 | $4018.08 | $952.12 | $334.84 |  |  |  |  |  | 31.345% | 31.345% | 31.345% | 9/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $69663.20 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.6 |  | No | No |  | $0.00 | $16547.79 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24899419 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6060.00 | $10090.66 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $40496.48 | 1 | $2630.04 | $1551.00 | $219.17 | $129.25 |  |  |  |  |  | 37.491% | 37.491% | 37.491% | 9/XX/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6060.00 |  | 6.540% | $0.00 |  | DU |  | ApproveEligible | Yes | No | XXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $138727.53 |  | No | 31 | 31 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 28.46 |  | No | No |  | $0.00 | $56135.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24167535 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8798.00 | $9463.30 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $5645.29 | 1 | $3588.24 | $1955.04 | $299.02 | $162.92 |  |  |  |  |  | 42.324% | 42.324% | 42.324% | 9/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8798.00 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $472555.55 |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 149.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22929821 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1940.00 | $8660.03 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $42797.37 | 1 | $31500.72 | $1865.04 | $2625.06 | $155.42 |  |  |  |  |  | 27.377% | 27.377% | 27.377% | 9/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1940.00 |  | 6.320% | $0.00 | 3.0 | DU |  | ApproveIneligible | No | No | XXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $3322964.71 | 100.000% | No | 32 | 20 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 225.46 |  |  | No |  | $0.00 | $15418.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22317291 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15212.10 | $20006.83 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $22357.47 | 1 | $27407.88 | $3797.16 | $2283.99 | $316.43 |  |  |  |  |  | 44.554% | 44.554% | 44.554% | 9/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15212.10 |  | 6.540% | $0.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $7952.15 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.31 |  | No | No |  | $15511.21 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21260180 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1800.50 | $7294.57 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $15651.97 | 1 | $5701.32 | $4437.00 | $475.11 | $369.75 |  |  |  |  |  | 39.065% | 39.065% | 39.065% | 7/XX/2025 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1800.50 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28616735 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $3132.71 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $11535.39 | 1 | $3258.12 | $3123.24 | $271.51 | $260.27 |  |  |  |  |  | 36.582% | 36.582% | 36.582% | 8/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | 6.630% | $0.00 | 1.4 | DU |  | ApproveEligible | Yes | No | XXX | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $832257.88 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 446.01 |  | Yes | No |  | $0.00 | $10444.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25858879 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1470.00 | $2316.23 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $9970.98 | 1 | $23386.08 | $3747.00 | $1948.84 | $312.25 |  |  |  |  |  | 49.321% | 49.321% | 49.321% | 9/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1470.00 |  | 6.570% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $320372.54 | 25.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27638687 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8275.50 | $14581.46 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $31494.77 | 1 | $30786.24 | $3390.48 | $2565.52 | $282.54 |  |  |  |  |  | 27.328% | 27.328% | 27.328% | 10/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8275.50 |  | 6.310% | $0.00 | 2.8 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $101493.75 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.06 |  |  | No |  | $0.00 | $15833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21476131 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7095.00 | $14018.73 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $42878.88 | 1 | $35599.68 | $2169.00 | $2966.64 | $180.75 |  |  |  |  |  | 35.682% | 35.682% | 35.682% | 9/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7095.00 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $571861.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29510293 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10190.00 | $12639.50 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $25335.13 | 1 | $12735.36 | $7818.96 | $1061.28 | $651.58 |  |  |  |  |  | 20.978% | 20.978% | 20.978% | 9/XX/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10190.00 |  | 6.220% | $2000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $340986.43 | 32.010% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28762984 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27763.83 | $37804.74 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $16615.71 | 1 | $23886.72 | $3351.00 | $1990.56 | $279.25 |  |  |  |  |  | 49.979% | 49.979% | 49.979% | 9/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $27763.83 |  | 6.290% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXX | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $45898.96 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26877722 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2290.00 | $10535.02 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $18447.65 | 1 | $23750.04 | $4528.08 | $1979.17 | $377.34 |  |  |  |  |  | 45.982% | 45.982% | 45.982% | 9/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2290.00 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $94947.03 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23214856 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8995.43 | $22417.50 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $12419.22 | 1 | $14121.60 | $2098.20 | $1176.80 | $174.85 |  |  |  |  |  | 44.622% | 44.622% | 44.622% | 9/XX/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8995.43 |  | 6.310% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $59555.33 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.23 |  | Yes | No |  | $0.00 | $8100.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29985964 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12708.20 | $16976.22 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $8649.50 | 1 | $7236.48 | $3744.12 | $603.04 | $312.01 |  |  |  |  |  | 45.941% | 45.941% | 45.941% | 9/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12708.20 |  | 6.320% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXX | 1 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24449945 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6720.94 | $9395.55 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $23722.46 | 1 | $17892.72 | $9058.56 | $1491.06 | $754.88 |  |  |  |  |  | 29.218% | 29.218% | 29.218% | 9/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6720.94 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $725.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.07 |  |  | No |  | $0.00 | $18050.98 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29362241 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10726.13 | $25460.09 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $70456.32 | 1 | $15193.56 | $7426.92 | $1266.13 | $618.91 |  |  |  |  |  | 15.452% | 15.452% | 15.452% | 9/XX/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10726.13 |  | 6.320% | $0.00 | 2.5 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $56022.04 |  | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25182333 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $22676.02 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $23386.75 | 1 | $41514.00 | $3168.12 | $3459.50 | $264.01 |  |  |  |  |  | 48.506% | 48.506% | 48.506% | 9/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.320% | $5000.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $1203089.85 | 35.640% | No | 32 | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 23.65 |  |  | No |  | $0.00 | $20416.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23013433 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35670.00 | $44550.01 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $15961.80 | 1 | $23121.96 | $3963.00 | $1926.83 | $330.25 |  |  |  |  |  | 49.876% | 49.876% | 49.876% | 9/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $35670.00 |  | 6.320% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $1188435.61 | 42.060% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.96 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24347743 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16303.26 | $19936.54 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10804.67 | 1 | $14675.04 | $2279.04 | $1222.92 | $189.92 |  |  |  |  |  | 46.774% | 46.774% | 46.774% | 9/XX/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16303.26 |  | 6.570% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $785556.51 | 53.530% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25087037 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $29847.00 | $33067.28 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $15259.27 | 1 | $15421.56 | $20634.00 | $1285.13 | $1719.50 |  |  |  |  |  | 45.929% | 45.929% | 45.929% | 5/XX/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $29847.00 |  | 6.750% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $115203.06 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22258680 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $41400.00 | $44504.15 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $176275.29 | 1 | $45712.44 | $7674.00 | $3809.37 | $639.50 |  |  |  |  |  | 21.407% | 21.407% | 21.407% | 9/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $41400.00 |  | 6.220% | $0.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $2808585.85 | 70.210% | No | 32 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 76.26 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20938890 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $20592.61 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $20766.64 | 1 | $12388.68 | $1610.04 | $1032.39 | $134.17 |  |  |  |  |  | 37.440% | 37.440% | 37.440% | 9/XX/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.220% | $0.00 | 2.2 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.17 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21670023 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $15791.00 | $21333.88 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $8849.81 | 1 | $18479.28 | $2952.96 | $1539.94 | $246.08 |  |  |  |  |  | 49.430% | 49.430% | 49.430% | 8/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15791.00 |  | 6.570% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $448814.82 | 39.890% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.15 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23031641 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7517.00 | $12489.50 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $10899.45 | 1 | $16472.76 | $3051.96 | $1372.73 | $254.33 |  |  |  |  |  | 45.067% | 45.067% | 45.067% | 8/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7517.00 |  | 6.610% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | XXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 39.03 |  | Yes | No |  | $0.00 | $4425.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25892366 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15642.70 | $17200.29 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $82952.05 | 1 | $20405.40 | $3145.20 | $1700.45 | $262.10 |  |  |  |  |  | 25.806% | 25.806% | 25.806% | 10/XX/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15642.70 |  | 6.220% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $200756.84 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.73 |  | No | No |  | $15041.25 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22472187 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $545.85 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13955.66 | 1 | $22486.56 | $3516.36 | $1873.88 | $293.03 |  |  |  |  |  | 49.390% | 49.390% | 49.390% | 9/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2070.00 |  | 6.310% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $5961.68 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.54 |  | No | No |  | $0.00 | $14700.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23761621 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $301.00 | $3129.56 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $14048.23 | 1 | $4887.00 | $3498.96 | $407.25 | $291.58 |  |  |  |  |  | 47.319% | 47.319% | 47.319% | 9/XX/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $301.00 |  | 6.310% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $521200.03 | 34.630% | No |  | 2 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.15 |  | No | No |  | $0.00 | $26666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29660577 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $3226.96 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $9619.61 | 1 | $27598.20 | $1919.04 | $2299.85 | $159.92 |  |  |  |  |  | 49.557% | 49.557% | 49.557% | 8/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $597844.49 | 45.020% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26347527 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3588.00 | $13355.20 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17109.31 | 1 | $34841.28 | $2849.16 | $2903.44 | $237.43 |  |  |  |  |  | 47.100% | 47.100% | 47.100% | 9/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3588.00 |  | 6.310% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $959917.22 | 35.030% | No | 32 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.87 |  |  | No |  | $0.00 | $15000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28510728 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35950.69 | $40131.71 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed | Employed | Employed | 17.4 | 16.4 | US Citizen | US Citizen | US Citizen | US Citizen |  |  | $68243.80 | 1 | $5615.76 | $3462.60 | $467.98 | $288.55 |  |  |  |  |  | 21.163% | 21.163% | 21.163% | 9/XX/2025 | 766 | 801 | 784 | 800 | 806 | 817 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $35950.69 |  | 6.310% | $47952.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $950703.57 | 54.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  | 68.28 |  | No | No |  | $39114.96 | $21948.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27843401 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1839.20 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $18274.43 | 1 | $21266.16 | $23883.96 | $1772.18 | $1990.33 |  |  |  |  |  | 49.588% | 49.588% | 49.588% | 8/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $1522113.93 | 73.530% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 63.75 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23119935 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16859.00 | $21593.13 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $187645.76 | 1 | $29747.88 | $4072.44 | $2478.99 | $339.37 |  |  |  |  |  | 13.884% | 13.884% | 13.884% | 10/XX/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16859.00 |  | 6.310% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXX | 0 |  | 2 | 0 | 3 | 0 |  |  | 8.47 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $961090.31 | 47.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.74 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22208201 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.50 | $33587.88 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $18082.18 | 1 | $31250.04 | $2481.00 | $2604.17 | $206.75 |  |  |  |  |  | 38.894% | 38.894% | 38.894% | 10/XX/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.50 |  | 6.310% | $0.00 | 1.6 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $1494437.17 | 59.770% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 40.43 |  |  | No |  | $0.00 | $13333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26230339 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5909.16 | $7586.64 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $75059.47 | 1 | $33015.60 | $2649.00 | $2751.30 | $220.75 |  |  |  |  |  | 19.700% | 19.700% | 19.700% | 10/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5909.16 |  | 6.310% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | XXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $262327.72 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28402847 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $14922.70 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $9732.32 | 1 | $14783.16 | $2485.56 | $1231.93 | $207.13 |  |  |  |  |  | 45.886% | 45.886% | 45.886% | 9/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 0 | 1 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $858559.37 | 70.370% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 77.11 |  | No | No |  | $6794.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23477318 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.47 | $9691.32 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $12109.52 | 1 | $8289.12 | $2469.96 | $690.76 | $205.83 |  |  |  |  |  | 48.118% | 48.118% | 48.118% | 9/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.47 |  | 6.310% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $29564.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21310901 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1195.00 | $3097.53 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10891.47 | 1 | $10861.80 | $1677.60 | $905.15 | $139.80 |  |  |  |  |  | 41.428% | 41.428% | 41.428% | 9/XX/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.310% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $293856.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28927139 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.20 | $28068.18 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $21361.63 | 1 | $29344.20 | $20700.00 | $2445.35 | $1725.00 |  |  |  |  |  | 45.060% | 45.060% | 45.060% | 10/XX/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1040-ES - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.20 |  | 6.310% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $121273.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22945944 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19664.65 | $20226.80 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $19491.68 | 1 | $20527.32 | $3456.00 | $1710.61 | $288.00 |  |  |  |  |  | 37.181% | 37.181% | 37.181% | 10/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19664.65 |  | 6.160% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $24270.99 |  | No | 33 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.15 |  | No | No |  | $0.00 | $15790.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22160768 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2256.24 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  | India |  |  | $14462.71 | 1 | $16577.16 | $1748.04 | $1381.43 | $145.67 |  |  |  |  |  | 39.904% | 39.904% | 39.904% | 9/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.310% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $89474.13 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 9.1 |  | No | No |  | $0.00 | $9937.91 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22657079 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11296.60 | $15816.19 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $23566.33 | 1 | $4844.40 | $2468.04 | $403.70 | $205.67 |  |  |  |  |  | 25.569% | 25.569% | 25.569% | 10/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11296.60 |  | 6.310% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $250592.13 | 21.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.77 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23303995 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11119.40 | $15248.99 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $14622.70 | 1 | $14485.68 | $2858.04 | $1207.14 | $238.17 |  |  |  |  |  | 33.270% | 33.270% | 33.270% | 9/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11119.40 |  | 6.310% | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $42982.44 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.84 |  |  | No |  | $0.00 | $9413.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28059332 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20297.17 | $16630.82 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $37786.19 | 1 | $11656.32 | $4412.04 | $971.36 | $367.67 |  |  |  |  |  | 23.070% | 23.070% | 23.070% | 10/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $20297.17 |  | 6.310% | $0.00 | 2.5 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 2 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $32839.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26729893 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22355.64 | $29258.49 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $15600.14 | 1 | $21953.16 | $2547.96 | $1829.43 | $212.33 |  |  |  |  |  | 43.647% | 43.647% | 43.647% | 9/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $22355.64 |  | 6.290% | $10750.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $836285.81 | 46.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 42.34 |  | No | No |  | $0.00 | $14352.71 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21850324 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5237.53 | $7084.41 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $11978.68 | 1 | $4181.88 | $2642.88 | $348.49 | $220.24 |  |  |  |  |  | 41.276% | 41.276% | 41.276% | 9/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5237.53 |  | 6.290% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $1254751.12 | 100.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 187.18 |  | No | No |  | $5637.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23563685 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19095.00 | $3791.46 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10352.66 | 1 | $4076.52 | $1154.04 | $339.71 | $96.17 |  |  |  |  |  | 37.884% | 37.884% | 37.884% | 10/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19095.00 |  | 6.290% | $28750.00 | 3.4 | DU |  | ApproveIneligible | No | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $5944.04 | 0.510% | No | 8 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.6 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22673602 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1500.00 | $5637.03 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $21767.80 | 1 | $6350.52 | $4906.56 | $529.21 | $408.88 |  |  |  |  |  | 40.974% | 40.974% | 40.974% | 10/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1500.00 |  | 6.230% | $250000.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $528893.35 | 34.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 54.49 |  | Yes | No |  | $0.00 | $18544.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23902576 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4693.72 | $28923.38 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $14642.53 | 1 | $5613.00 | $4384.92 | $467.75 | $365.41 |  |  |  |  |  | 40.673% | 40.673% | 40.673% | 10/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4693.72 |  | 6.290% | $25000.00 | 5.0 | DU |  | ApproveIneligible | N/A | No | XXX | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $267991.77 | 20.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.51 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22369777 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16743.08 | $27957.17 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $14914.16 | 1 | $28038.00 | $2675.76 | $2336.50 | $222.98 |  |  |  |  |  | 46.234% | 46.234% | 46.234% | 6/XX/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16743.08 |  | 6.670% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | XXX | 1 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $214370.57 | 19.140% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.55 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26483365 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11195.13 | $17023.97 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $23306.74 | 1 | $8950.68 | $4396.80 | $745.89 | $366.40 |  |  |  |  |  | 33.115% | 33.115% | 33.115% | 10/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11195.13 |  | 6.290% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $1200488.39 | 80.030% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 100.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25982153 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7037.88 | $16486.79 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $32419.79 | 1 | $42322.32 | $6569.04 | $3526.86 | $547.42 |  |  |  |  |  | 47.356% | 47.356% | 47.356% | 10/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7037.88 |  | 6.310% | $35351.52 | 1.4 | DU |  | ApproveIneligible | No | No | XXX | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $639548.34 | 20.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.34 |  | Yes | No |  | $0.00 | $29166.19 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25224343 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11185.17 | $16632.85 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $16428.85 | 1 | $5650.32 | $3605.04 | $470.86 | $300.42 |  |  |  |  |  | 38.604% | 38.604% | 38.604% | 10/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11185.17 |  | 6.290% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXX | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $13697.25 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.7 |  |  | No |  | $0.00 | $12175.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29756568 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14304.75 | $17321.71 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $11463.72 | 1 | $7157.40 | $4200.00 | $596.45 | $350.00 |  |  |  |  |  | 44.962% | 44.962% | 44.962% | 9/XX/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14304.75 |  | 6.260% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $8101.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25094832 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7908.81 | $13632.19 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13155.31 | 1 | $14846.16 | $2427.00 | $1237.18 | $202.25 |  |  |  |  |  | 49.869% | 49.869% | 49.869% | 10/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7908.81 |  | 6.290% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $51680.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.64 |  | No | No |  | $0.00 | $14166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23577441 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25610.00 | $10086.10 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $25643.49 | 1 | $30613.68 | $6942.00 | $2551.14 | $578.50 |  |  |  |  |  | 43.243% | 43.243% | 43.243% | 10/XX/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $25610.00 |  | 6.310% | $25000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $780429.03 | 29.450% | No | 20 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.57 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29579082 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3281.50 | $7531.21 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $24168.07 | 1 | $12018.60 | $1454.16 | $1001.55 | $121.18 |  |  |  |  |  | 22.663% | 22.663% | 22.663% | 9/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3281.50 |  | 6.290% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $1636723.57 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 265.71 |  | No | No |  | $0.00 | $10417.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26184253 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2190.00 | $9721.23 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $31198.97 | 1 | $30423.96 | $4622.52 | $2535.33 | $385.21 |  |  |  |  |  | 39.232% | 39.232% | 39.232% | 10/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2190.00 |  | 6.290% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $390483.80 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 23.48 |  |  | No |  | $0.00 | $6250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27952707 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2013.55 | $6659.37 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10356.44 | 1 | $16232.16 | $6609.12 | $1352.68 | $550.76 |  |  |  |  |  | 46.890% | 46.890% | 46.890% | 10/XX/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2013.55 |  | 6.240% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $471438.96 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.37 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22563297 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3220.61 | $7327.46 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $9019.89 | 1 | $4072.80 | $2906.28 | $339.40 | $242.19 |  |  |  |  |  | 47.819% | 47.819% | 47.819% | 10/XX/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3220.61 |  | 6.240% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $530.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26541808 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1375.90 | $5238.31 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $25472.56 | 1 | $15610.80 | $2436.00 | $1300.90 | $203.00 |  |  |  |  |  | 41.642% | 41.642% | 41.642% | 10/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1375.90 |  | 6.240% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $0.00 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $4446.58 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26126761 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9928.65 | $11540.99 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13423.24 | 1 | $8570.64 | $1836.96 | $714.22 | $153.08 |  |  |  |  |  | 38.265% | 38.265% | 38.265% | 10/XX/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9928.65 |  | 6.240% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $2399.00 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.1 |  |  | No |  | $0.00 | $9583.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27388116 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $19331.44 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $31073.60 | 1 | $24545.64 | $2802.96 | $2045.47 | $233.58 |  |  |  |  |  | 25.809% | 25.809% | 25.809% | 10/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.240% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $101283.24 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.88 |  |  | No |  | $0.00 | $15583.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23672034 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6193.90 | $8078.90 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17738.86 | 1 | $18275.16 | $3226.32 | $1522.93 | $268.86 |  |  |  |  |  | 30.912% | 30.912% | 30.912% | 10/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6193.90 |  | 6.240% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $469313.72 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.94 |  |  | No |  | $0.00 | $13372.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29624555 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2603.88 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $30881.71 | 1 | $25270.20 | $2094.96 | $2105.85 | $174.58 |  |  |  |  |  | 39.023% | 39.023% | 39.023% | 10/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.240% | $0.00 | 4.7 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $1497031.92 | 83.160% | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 108.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25251502 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $34580.40 | $38837.91 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $21314.40 | 1 | $11421.00 | $4861.56 | $951.75 | $405.13 |  |  |  |  |  | 41.469% | 41.469% | 41.469% | 8/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $34580.40 |  | 6.240% | $50000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $571131.91 | 34.610% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 25.8 |  | No | No |  | $0.00 | $11790.54 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25708620 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19980.00 | $21476.18 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $11590.22 | 1 | $8619.60 | $840.96 | $718.30 | $70.08 |  |  |  |  |  | 48.793% | 48.793% | 48.793% | 10/XX/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19980.00 |  | 6.240% | $0.00 | 3.4 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $451127.79 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24149183 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20150.00 | $25220.87 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $24227.64 | 1 | $33787.08 | $5225.04 | $2815.59 | $435.42 |  |  |  |  |  | 41.321% | 41.321% | 41.321% | 9/XX/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $20150.00 |  | 6.240% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $267306.78 |  | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 20.61 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28494893 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3000.00 | $20370.59 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $36981.96 | 1 | $20641.56 | $5805.00 | $1720.13 | $483.75 |  |  |  |  |  | 23.219% | 23.219% | 23.219% | 10/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3000.00 |  | 6.240% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $333940.66 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 29.86 |  |  | No |  | $0.00 | $23432.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23304896 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4995.23 | $8485.75 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $25033.15 | 1 | $19420.20 | $2724.00 | $1618.35 | $227.00 |  |  |  |  |  | 29.244% | 29.244% | 29.244% | 10/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [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]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4995.23 |  | 6.230% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $109825.32 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.29 |  | No | No |  | $0.00 | $16182.36 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25474735 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1794.84 | $1679.01 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $17385.81 | 1 | $13614.96 | $3348.00 | $1134.58 | $279.00 |  |  |  |  |  | 36.198% | 36.198% | 36.198% | 10/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1794.84 |  | 6.240% | $0.00 | 1.3 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $27879.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22174821 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2285.00 | $6717.53 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $69617.83 | 1 | $28117.80 | $2175.12 | $2343.15 | $181.26 |  |  |  |  |  | 31.895% | 31.895% | 31.895% | 11/XX/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2285.00 |  | 6.230% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $302840.35 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.79 |  | No | No |  | $0.00 | $18321.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24209150 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10230.00 | $9336.04 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $18373.23 | 1 | $5351.04 | $1251.72 | $445.92 | $104.31 |  |  |  |  |  | 40.905% | 40.905% | 40.905% | 10/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10230.00 |  | 6.240% | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $2701.75 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.22 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26818164 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9888.10 | $13792.06 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $16612.61 | 1 | $13295.28 | $1868.16 | $1107.94 | $155.68 |  |  |  |  |  | 44.563% | 44.563% | 44.563% | 10/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9888.10 |  | 6.240% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | XXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $31229.29 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.65 |  | No | No |  | $0.00 | $9166.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25660586 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3500.26 | $5712.63 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  | $9792.58 | 1 | $18835.80 | $3228.00 | $1569.65 | $269.00 |  |  |  |  |  | 49.282% | 49.282% | 49.282% | 9/XX/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3500.26 |  | 6.240% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $42255.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 1.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28639157 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8249.86 | $9588.08 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $16196.36 | 1 | $18719.28 | $4327.32 | $1559.94 | $360.61 |  |  |  |  |  | 38.884% | 38.884% | 38.884% | 9/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8249.86 |  | 6.240% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | XXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $421989.91 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 41.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25531341 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5965.05 | $9920.45 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17615.83 | 1 | $13247.16 | $1544.52 | $1103.93 | $128.71 |  |  |  |  |  | 27.977% | 27.977% | 27.977% | 11/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5965.05 |  | 6.240% | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | XXX | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $101548.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 14.52 |  |  | No |  | $0.00 | $16250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22310876 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23695.00 | $30194.11 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed | Employed |  | 2.34 |  | US Citizen | US Citizen | US Citizen |  |  |  | $38104.75 | 1 | $3367.44 | $6241.92 | $280.62 | $520.16 |  |  |  |  |  | 42.820% | 42.820% | 42.820% | 9/XX/2025 | 769 | 769 | 740 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23695.00 |  | 6.240% | $0.00 | 4.4 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $792210.57 |  | No | 32 |  | 25 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 63.07 |  | No | No |  | $0.00 | $22873.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27117679 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5647.37 | $9752.00 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $15848.81 | 1 | $21150.24 | $7042.56 | $1762.52 | $586.88 |  |  |  |  |  | 39.672% | 39.672% | 39.672% | 10/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5647.37 |  | 6.170% | $0.00 | 3.9 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $238446.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 25.1 |  |  | No |  | $0.00 | $12462.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29366441 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12253.07 | $15297.17 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $34602.74 | 1 | $13001.52 | $3189.00 | $1083.46 | $265.75 |  |  |  |  |  | 19.374% | 19.374% | 19.374% | 10/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12253.07 |  | 6.240% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $67905.25 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.99 |  |  | No |  | $0.00 | $17916.69 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29843167 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1924.14 | $3378.01 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $7405.43 | 1 | $16230.36 | $948.00 | $1352.53 | $79.00 |  |  |  |  |  | 46.973% | 46.973% | 46.973% | 10/XX/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1924.14 |  | 6.160% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $22928.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24289142 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9888.44 | $20144.28 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $9487.67 | 1 | $8839.56 | $5243.04 | $736.63 | $436.92 |  |  |  |  |  | 43.074% | 43.074% | 43.074% | 11/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9888.44 |  | 6.260% | $0.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $838.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28092231 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5080.78 | $21162.62 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $29251.79 | 1 | $10465.68 | $3590.04 | $872.14 | $299.17 |  |  |  |  |  | 35.272% | 35.272% | 35.272% | 10/XX/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5080.78 |  | 6.260% | $0.00 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 1 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $6250.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22535971 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24473.44 | $46080.95 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $72130.65 | 1 | $3953.04 | $3678.24 | $329.42 | $306.52 |  |  |  |  |  | 21.162% | 21.162% | 21.162% | 10/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $24473.44 |  | 6.160% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $214817.51 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29481358 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $6584.67 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $30901.79 | 1 | $31613.76 | $8781.96 | $2634.48 | $731.83 |  |  |  |  |  | 42.848% | 42.848% | 42.848% | 10/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.160% | $0.00 | 3.0 | DU |  | ApproveIneligible | No | No | XXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $582350.03 | 27.730% | No | 34 | 34 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.94 |  | Yes | No |  | $0.00 | $14410.46 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24455072 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6195.06 | $9366.93 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $21279.23 | 1 | $24770.28 | $1300.20 | $2064.19 | $108.35 |  |  |  |  |  | 37.562% | 37.562% | 37.562% | 11/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6195.06 |  | 6.160% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $760140.93 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 59.86 |  |  | No |  | $0.00 | $19913.64 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23670883 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11189.50 | $13996.53 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $9968.99 | 1 | $5603.04 | $4425.96 | $466.92 | $368.83 |  |  |  |  |  | 48.213% | 48.213% | 48.213% | 10/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11189.50 |  | 6.160% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $99985.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29091562 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7189.24 | $8757.87 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $34412.27 | 1 | $23234.04 | $2902.32 | $1936.17 | $241.86 |  |  |  |  |  | 33.928% | 33.928% | 33.928% | 10/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7189.24 |  | 6.160% | $0.00 | 4.4 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $1650489.52 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 161.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29039892 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9536.52 | $13845.78 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $37209.74 | 1 | $16780.44 | $7786.08 | $1398.37 | $648.84 |  |  |  |  |  | 27.633% | 27.633% | 27.633% | 10/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9536.52 |  | 6.160% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $95905.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27571113 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10771.97 | $28365.51 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $14293.32 | 1 | $27867.48 | $2538.96 | $2322.29 | $211.58 |  |  |  |  |  | 48.024% | 48.024% | 48.024% | 10/XX/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10771.97 |  | 6.160% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26290344 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4995.54 | $7960.22 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $32327.00 | 1 | $4996.08 | $3777.96 | $416.34 | $314.83 |  |  |  |  |  | 20.645% | 20.645% | 20.645% | 10/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4995.54 |  | 6.160% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $3660.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20512692 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6652.03 | $8298.19 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $14170.91 | 1 | $20337.12 | $6198.00 | $1694.76 | $516.50 |  |  |  |  |  | 42.705% | 42.705% | 42.705% | 11/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6652.03 |  | 6.160% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $77284.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.94 |  |  | No |  | $0.00 | $7649.98 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23353532 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $4713.35 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $33005.89 | 1 | $35362.32 | $7239.96 | $2946.86 | $603.33 |  |  |  |  |  | 33.988% | 33.988% | 33.988% | 11/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.160% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $99872.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20531146 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12149.69 | $15029.71 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $18964.74 | 1 | $8338.56 | $4539.96 | $694.88 | $378.33 |  |  |  |  |  | 26.824% | 26.824% | 26.824% | 10/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12149.69 |  | 6.160% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $54111.20 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.02 |  |  | No |  | $0.00 | $10415.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22204404 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13332.49 | $17322.42 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $13148.93 | 1 | $14027.16 | $2604.96 | $1168.93 | $217.08 |  |  |  |  |  | 42.800% | 42.800% | 42.800% | 10/XX/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13332.49 |  | 6.160% | $0.00 | 2.3 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29862165 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12634.50 | $14946.30 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $7320.90 | 1 | $3167.04 | $3984.00 | $263.92 | $332.00 |  |  |  |  |  | 49.579% | 49.579% | 49.579% | 7/XX/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12634.50 |  | 6.610% | $5814.76 | 1.8 | LP / LPA |  | Accept/Eligible | No | No | XXX | 2 | 0 | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $530210.81 | 38.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.87 |  |  | No |  | $6296.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21105974 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1890.00 | $2792.18 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $11489.68 | 1 | $2706.00 | $858.00 | $225.50 | $71.50 |  |  |  |  |  | 36.132% | 36.132% | 36.132% | 8/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | 6.750% | $15100.00 | 1.0 | DU |  | ApproveEligible | No | No | XXX | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $820912.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 373.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28826306 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $8656.60 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $40748.06 | 1 | $28749.96 | $10705.08 | $2395.83 | $892.09 |  |  |  |  |  | 36.603% | 36.603% | 36.603% | 8/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.630% | $2004.50 | 3.7 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1296313.37 | 56.360% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 51.95 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29041693 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7633.00 | $13754.70 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $13386.88 | 1 | $13175.76 | $7893.72 | $1097.98 | $657.81 |  |  |  |  |  | 48.801% | 48.801% | 48.801% | 7/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7633.00 |  | 6.170% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $48713.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 134.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21885848 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1445.00 | $2137.95 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17638.54 | 1 | $16323.96 | $1326.00 | $1360.33 | $110.50 |  |  |  |  |  | 33.936% | 33.936% | 33.936% | 10/XX/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1445.00 |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $927158.42 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 114.25 |  | No | No |  | $0.00 | $8445.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21155954 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1625.00 | $20202.55 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  | $7415.51 | 1 | $10333.20 | $7112.04 | $861.10 | $592.67 |  |  |  |  |  | 49.729% | 49.729% | 49.729% | 10/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1625.00 |  | 6.260% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $67223.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 2.34 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20999389 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9093.00 | $10993.32 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $37241.65 | 1 | $7008.60 | $3245.16 | $584.05 | $270.43 |  |  |  |  |  | 23.650% | 23.650% | 23.650% | 11/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9093.00 |  | 6.170% | $3000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $317380.44 | 26.440% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.94 |  | No | No |  | $0.00 | $22708.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26743933 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16945.00 | $20229.03 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $37869.69 | 1 | $12651.60 | $1430.52 | $1054.30 | $119.21 |  |  |  |  |  | 21.897% | 21.897% | 21.897% | 11/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16945.00 |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 133.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21683767 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3248.50 | $25720.48 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13388.89 | 1 | $12840.00 | $2858.04 | $1070.00 | $238.17 |  |  |  |  |  | 32.002% | 32.002% | 32.002% | 10/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3248.50 |  | 6.260% | $0.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $19346.03 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.01 |  |  | No |  | $6148.32 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28229830 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2085.62 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $14153.54 | 1 | $18713.52 | $1388.04 | $1559.46 | $115.67 |  |  |  |  |  | 41.825% | 41.825% | 41.825% | 8/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.170% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 |  |  | No |  | 10 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $11379.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24764951 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6190.42 | $12130.97 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13078.42 | 1 | $15215.40 | $2303.04 | $1267.95 | $191.92 |  |  |  |  |  | 36.900% | 36.900% | 36.900% | 10/XX/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6190.42 |  | 6.260% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $340487.33 | 29.350% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.61 |  |  | No |  | $0.00 | $14637.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21392813 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16195.00 | $14213.80 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  | $22740.66 | 1 | $25509.48 | $1278.96 | $2125.79 | $106.58 |  |  |  |  |  | 38.539% | 38.539% | 38.539% | 11/XX/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16195.00 |  | 6.260% | $0.00 | 4.4 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $201160.28 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20582184 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6190.04 | $20114.44 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13143.31 | 1 | $14941.56 | $2985.96 | $1245.13 | $248.83 |  |  |  |  |  | 37.072% | 37.072% | 37.072% | 11/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6190.04 |  | 6.260% | $1000.00 | 2.5 | DU |  | ApproveEligible | Yes | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $1006894.18 | 75.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 94.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26914531 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6238.99 | $7543.55 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $24055.84 | 1 | $15572.28 | $1946.04 | $1297.69 | $162.17 |  |  |  |  |  | 26.185% | 26.185% | 26.185% | 11/XX/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6238.99 |  | 6.260% | $0.00 |  | DU |  | ApproveEligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $102372.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.69 |  |  | No |  | $0.00 | $15089.14 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23856900 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16445.00 | $20350.10 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $19731.16 | 1 | $39750.00 | $3750.00 | $3312.50 | $312.50 |  |  |  |  |  | 44.228% | 44.228% | 44.228% | 10/XX/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16445.00 |  | 6.260% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $69335.81 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 121.53 |  | No | No |  | $35378.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25382709 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1295.04 | $9233.30 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $12918.13 | 1 | $25625.04 | $3033.00 | $2135.42 | $252.75 |  |  |  |  |  | 48.990% | 48.990% | 48.990% | 11/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [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) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1295.04 |  | 6.230% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | XXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $652050.88 | 31.800% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29492442 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.68 | $27605.11 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $46677.23 | 1 | $28025.40 | $3357.96 | $2335.45 | $279.83 |  |  |  |  |  | 31.392% | 31.392% | 31.392% | 11/XX/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.68 |  | 6.230% | $15000.00 | 1.5 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $430264.12 | 23.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 2.39 |  | Yes | No |  | $41360.91 | $16940.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23732093 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15025.00 | $18160.31 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $7934.77 | 1 | $7437.00 | $2711.16 | $619.75 | $225.93 |  |  |  |  |  | 49.354% | 49.354% | 49.354% | 11/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15025.00 |  | 6.260% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $31070.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28158459 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $27334.66 | $34832.68 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $11454.37 | 1 | $21046.80 | $2522.76 | $1753.90 | $210.23 |  |  |  |  |  | 46.017% | 46.017% | 46.017% | 11/XX/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Pension]; 1099-R - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $27334.66 |  | 6.250% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | XXX | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $174606.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.91 |  |  | No |  | $0.00 | $6820.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21731908 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2950.00 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $36310.64 | 1 | $40162.56 | $1161.00 | $3346.88 | $96.75 |  |  |  |  |  | 32.868% | 32.868% | 32.868% | 8/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.570% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXX | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1165403.97 | 84.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 71.91 |  | No | No |  | $0.00 | $13091.66 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27817121 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5785.82 | $7112.50 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $25448.97 | 1 | $4458.84 | $2734.20 | $371.57 | $227.85 |  |  |  |  |  | 22.511% | 22.511% | 22.511% | 12/XX/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 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]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5785.82 |  | 6.190% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 1 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $109179.20 |  | No |  | 35 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.04 |  |  | No |  | $0.00 | $9228.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25148352 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5187.29 | $3992.29 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  | India |  |  | $15693.06 | 1 | $12112.56 | $2787.00 | $1009.38 | $232.25 |  |  |  |  |  | 38.715% | 38.715% | 38.715% | 12/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5187.29 |  | 6.190% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXX | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $22935.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 1.64 |  | No | No |  | $0.00 | $14166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20352911 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10507.00 | $13312.46 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $32720.94 | 1 | $22397.28 | $9228.00 | $1866.44 | $769.00 |  |  |  |  |  | 30.313% | 30.313% | 30.313% | 11/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10507.00 |  | 6.190% | $0.00 | 1.9 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $480480.49 | 30.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22558940 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9150.00 | $11150.24 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $35076.34 | 1 | $7400.76 | $2020.80 | $616.73 | $168.40 |  |  |  |  |  | 25.416% | 25.416% | 25.416% | 10/XX/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9150.00 |  | 6.190% | $0.00 | 2.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20679681 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1987.05 | $4065.69 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $19893.07 | 1 | $24060.96 | $3202.44 | $2005.08 | $266.87 |  |  |  |  |  | 36.505% | 36.505% | 36.505% | 11/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1987.05 |  | 6.220% | $0.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $198306.59 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 22.7 |  | No | No |  | ($189.02) | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23330593 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11590.32 | $12733.83 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $11437.48 | 1 | $7970.16 | $3212.04 | $664.18 | $267.67 |  |  |  |  |  | 46.905% | 46.905% | 46.905% | 12/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11590.32 |  | 6.270% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $330743.69 | 27.560% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 19.03 |  | Yes | No |  | $0.00 | $5416.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26267165 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3682.75 | $10787.27 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $19153.02 | 1 | $8997.48 | $8222.04 | $749.79 | $685.17 |  |  |  |  |  | 36.039% | 36.039% | 36.039% | 7/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3682.75 |  | 6.750% | $12100.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXX | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1002181.97 | 65.710% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 69.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26372374 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8911.23 | $8428.02 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $10372.76 | 1 | $9103.92 | $1673.04 | $758.66 | $139.42 |  |  |  |  |  | 40.583% | 40.583% | 40.583% | 8/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8911.23 |  | 6.630% | $0.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $511046.30 | 35.780% | No | 12 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.56 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26445286 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $92.51 |  |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $15980.28 | 1 | $22500.00 | $6415.08 | $1875.00 | $534.59 |  |  |  |  |  | 40.608% | 40.608% | 40.608% | 7/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $92.51 |  | 6.630% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $453782.84 | 25.210% | No | 19 | 23 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.71 |  |  | No |  | $0.00 | $19491.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29170668 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10226.20 | $12036.61 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $17259.50 | 1 | $6034.80 | $1987.20 | $502.90 | $165.60 |  |  |  |  |  | 45.334% | 45.334% | 45.334% | 8/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10226.20 |  | 6.630% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $500383.96 | 32.280% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.79 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21107412 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1735.00 | $2799.35 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $22494.78 | 1 | $9941.88 | $1375.44 | $828.49 | $114.62 |  |  |  |  |  | 25.621% | 25.621% | 25.621% | 8/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1735.00 |  | 6.630% | $2326.19 |  | LP / LPA |  | Accept/Eligible | No | No | XXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $104093.70 | 28.850% | No | 32 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.18 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24533289 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1280.00 | $9791.03 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17500.61 | 1 | $39549.48 | $5295.84 | $3295.79 | $441.32 |  |  |  |  |  | 48.749% | 48.749% | 48.749% | 7/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1280.00 |  | 6.750% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $676367.41 | 32.590% | No | 13 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.23 |  | Yes | No |  | $0.00 | $9105.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26994848 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18820.00 | $13576.11 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $18521.15 | 1 | $31614.00 | $12943.32 | $2634.50 | $1078.61 |  |  |  |  |  | 47.115% | 47.115% | 47.115% | 8/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18820.00 |  | 6.570% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $2998294.07 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 175.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21167632 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13468.66 | $20613.90 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $26278.58 | 1 | $584.40 | $1095.96 | $48.70 | $91.33 |  |  |  |  |  | 17.950% | 17.950% | 17.950% | 8/XX/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13468.66 |  | 6.570% | $10000.00 | 1.1 | DU |  | ApproveEligible | N/A | No | XXX | 2 | 1 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $274222.93 | 34.410% | No | 25 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 29.06 |  | No | No |  | $0.00 | $13605.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27378779 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1050.00 | $2022.33 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $10140.55 | 1 | $4919.28 | $1764.00 | $409.94 | $147.00 |  |  |  |  |  | 45.770% | 45.770% | 45.770% | 7/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1050.00 |  | 6.750% | $18200.00 | 1.9 | DU |  | ApproveEligible | N/A | No | XXX | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $13908.08 | 1.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.09 |  | Yes | No |  | $0.00 | $14201.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28661729 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $33324.00 | $19938.05 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $13464.54 | 1 | $8821.80 | $1445.04 | $735.15 | $120.42 |  |  |  |  |  | 45.139% | 45.139% | 45.139% | 9/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Child Support]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Child Support]; Child Support Order - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $33324.00 |  | 6.540% | $11925.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1201088.74 | 81.700% | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 149.32 |  | Yes | No |  | $8334.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 29926960 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7800.00 | $15132.10 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $263526.65 | 1 | $25219.92 | $6192.00 | $2101.66 | $516.00 |  |  |  |  |  | 9.648% | 9.648% | 9.648% | 9/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7800.00 |  | 6.320% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | XXX | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $2162428.19 | 73.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.58 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 27054161 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7060.55 | $15390.17 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17266.93 | 1 | $2514.00 | $1610.04 | $209.50 | $134.17 |  |  |  |  |  | 36.245% | 36.245% | 36.245% | 9/XX/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7060.55 |  | 6.310% | $19905.75 | 1.0 | DU |  | ApproveEligible | N/A | No | XXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $1268226.57 | 100.000% | No | 17 |  |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 465.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 24817172 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14632.00 | $32791.61 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $34159.58 | 1 | $7685.16 | $2817.00 | $640.43 | $234.75 |  |  |  |  |  | 46.200% | 46.200% | 46.200% | 4/XX/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14632.00 |  | 6.770% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 15.97 | No |  |  |  |  |  | Not Stated |  |  |  | 8/XX/2055 | $370890.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 17 |
| [redacted] | [redacted] | [redacted] | [redacted] | 26257686 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $10062.62 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $21294.63 | 1 | $15043.68 | $2190.96 | $1253.64 | $182.58 |  |  |  |  |  | 43.993% | 43.993% | 43.993% | 8/XX/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.750% | $0.00 | 2.0 | DU |  | ApproveIneligible | Yes | No | XXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $242685.57 |  | No |  | 12 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 21.63 |  | No | No |  | $0.00 | $38021.45 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23236971 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7201.80 | $14718.12 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $17110.97 | 1 | $16654.20 | $2124.00 | $1387.85 | $177.00 |  |  |  |  |  | 40.249% | 40.249% | 40.249% | 9/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7201.80 |  | 6.540% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 1 | 2 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $125560.99 |  | No | 20 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 15.19 |  | No | No |  | $8368.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21809206 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1195.00 | $13975.06 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $13568.72 | 1 | $13424.16 | $3631.20 | $1118.68 | $302.60 |  |  |  |  |  | 46.635% | 46.635% | 46.635% | 9/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.320% | $0.00 | 4.4 | LP / LPA |  | Accept/Eligible | Yes | No | XXX | 2 |  | 2 | 0 | 2 | 3 |  |  | 8.57 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $760014.61 | 50.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.82 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 21898223 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6659.20 | $20883.80 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $11041.46 | 1 | $14006.76 | $4923.00 | $1167.23 | $410.25 |  |  |  |  |  | 49.973% | 49.973% | 49.973% | 10/XX/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6659.20 |  | 6.290% | $10000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 2 | 2 | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $282438.49 | 24.550% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.03 |  |  | No |  | $5571.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 20766414 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1490.00 | $31223.76 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $10790.62 | 1 | $6966.48 | $4043.04 | $580.54 | $336.92 |  |  |  |  |  | 49.985% | 49.985% | 49.985% | 8/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; Account Transcripts - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1490.00 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | XXX | 2 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $528214.83 | 33.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [redacted] | [redacted] | [redacted] | [redacted] | 23197103 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14459.20 | $14966.78 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  | India |  |  | $12404.54 | 1 | $10863.24 | $2159.52 | $905.27 | $179.96 |  |  |  |  |  | 47.790% | 47.790% | 47.790% | 8/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14459.20 |  | 6.220% | $17771.36 | 3.6 | LP / LPA |  | Accept/Eligible | No | No | XXX | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $177792.51 | 25.400% | No | 33 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Passport, VISA | Passport, VISA |  |  |  | 5.33 |  | No | No |  | $0.00 | $11661.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [redacted] | [redacted] | [redacted] | [redacted] | 22887363 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $100.54 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $11964.99 | 1 | $6791.28 | $3105.00 | $565.94 | $258.75 |  |  |  |  |  | 49.726% | 49.726% | 49.726% | 9/XX/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.160% | $0.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXX | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $130969.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [redacted] | [redacted] | [redacted] | [redacted] | 25584005 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5455.80 | $15749.92 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $28070.33 | 1 | $11564.40 | $16705.44 | $963.70 | $1392.12 |  |  |  |  |  | 43.914% | 43.914% | 43.914% | 10/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5455.80 |  | 6.290% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 1 | 1 | 0 | 1 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $106452.94 | 8.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.59 |  | No | No |  | $17215.66 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [redacted] | [redacted] | [redacted] | [redacted] | 28645954 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $90.00 | $2563.02 |  | XX.XX% | XXXX | XXXX | XXXX | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  | $9129.17 | 1 | $29874.00 | $3318.84 | $2489.50 | $276.57 |  |  |  |  |  | 45.572% | 45.572% | 45.572% | 11/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $90.00 |  | 6.240% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | XXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $3307303.85 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 568.09 |  |  | No |  | $0.00 | $13151.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

---

## Exhibit 99.1

![](logo_situs.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Data Compare Summary (Total)**<br>**Run Date - 2/5/2026 4:31:14 PM** | | | | |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 207 | 0.00% | 207 |
| City | 0 | 207 | 0.00% | 207 |
| State | 0 | 207 | 0.00% | 207 |
| Zip | 0 | 207 | 0.00% | 207 |
| Borrower First Name | 0 | 207 | 0.00% | 207 |
| Borrower Last Name | 0 | 207 | 0.00% | 207 |
| Borrower SSN | 0 | 207 | 0.00% | 207 |
| Original Loan Amount | 0 | 207 | 0.00% | 207 |
| Original Interest Rate | 0 | 207 | 0.00% | 207 |
| Representative FICO | 0 | 207 | 0.00% | 207 |
| Property Type | 0 | 207 | 0.00% | 207 |
| Occupancy | 0 | 207 | 0.00% | 207 |
| Purpose | 0 | 207 | 0.00% | 207 |
| Refi Purpose | 0 | 18 | 0.00% | 207 |
| Balloon Flag | 0 | 207 | 0.00% | 207 |
| Original CLTV | 0 | 207 | 0.00% | 207 |
| Original LTV | 0 | 207 | 0.00% | 207 |
| Lender | 0 | 207 | 0.00% | 207 |
| Product Description | 0 | 207 | 0.00% | 207 |
| Originator Loan Designation | 0 | 207 | 0.00% | 207 |
| Investor: Qualifying Total Debt Ratio | 0 | 207 | 0.00% | 207 |
| PITIA Reserves Months | 0 | 119 | 0.00% | 207 |
| **Total** | **0** | **4277** | **0.00%** | **207** |

---

## Exhibit 99.2

![](logo_opus.jpg)

## GSMBS 2026-PJ2

Opus Capital Markets Consultants, LLC<br> Executive Narrative<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International \| Suite 320

Lincolnshire, IL 60069

224.632.1300 \| www.opuscmc.com

Opus Privileged and Confidential Public Page 1<br>

------

### Executive Narrative

#### February 6, 2026

#### <br>

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Goldman Sachs Mortgage Company

This report summarizes the results of a due diligence review performed on forty-eight (48) loans provided by Goldman Sachs Mortgage Company (Customer) who provided Opus Captial Markets Consultants, LLC (Consultant) with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review on the loans.

As detailed herein, the pool contains forty-eight (48) credit and compliance loans identified as QM: Safe Harbor APOR (APOR SH). There are six (6) loans eligible for GSE delivery and was underwritten to the AUS provided in the loan file. Forty-two (42) loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

<br> 1. Credit Qualification

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review consisted of the following:

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| **1.1** | **Guidelines** |

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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.

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| **1.2** | **Employment** |

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Review the file documentation for minimum required level of opus employment, income and asset verifications pursuant to Client provided underwriting guidelines.

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| **1.3** | **Income** |

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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.

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| **1.4** | **Assets** |

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Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

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| **1.5** | **Debt Ratio** |

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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.

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| **1.6** | **Property Valuation** |

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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.

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| **1.7** | **Loan-to-Value Ratio** |

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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.

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| **1.8** | **Credit History** |

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Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

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| **1.9** | **Credit Scores** |

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Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

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| **1.10** | **Compensating Factors** |

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Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

<br> 2. 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:

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| **2.1** | **Collateral Docs** |

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<br> 2.1.1 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.

<br> 2.1.2 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.

<br> 2.1.3 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.

<br> 2.1.4 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.

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| **2.2** | **Closing Docs** |

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<br> 2.2.1 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.

<br> 2.2.2 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.

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<br> 2.2.3 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.

<br> 3.2.4 If required verify the presence of the current Loan Estimate (LE) at the time of origination

<br> 3.2.5 If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

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| **2.3** | **Credit Docs** |

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<br> 2.3.1 Loan Application

Verify the presence and completeness of both the initial and final loan applications.

<br> 2.3.2 Underwriting Worksheet

Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

<br> 2.3.3 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.

<br> 2.3.4 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.

<br> 2.3.5 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.

<br> 2.3.6 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.

<br> 2.3.7 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.

<br> 2.3.8 Asset Documentation

Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

<br> 2.3.9 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.

<br> 2.3.10 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.

<br> 3. Regulatory Compliance

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as

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implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

The regulatory compliance review will be conducted in line with the most recently dated Structured Finance Industry Group (SFIG) RMBS TRID Compliance Review Scope with an effective date of October 2018.

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| **3.1** | **Third Party Fees** |

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If a third party charge appears to be unreasonable based upon the reviewer's experience, the fee will be considered unreasonable for purposes of tolerance testing and finance charge calculation (as applicable).

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| **3.2** | **Federal Truth in Lending Act/Regulation Z:** |

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A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

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| **3.3** | **Business Days as Defined by Regulation Z:** |

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General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

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| **3.4** | **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** |

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<br> 3.4.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

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<br> 3.4.2 No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

<br> 3.4.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

<br> 3.4.4 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

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| 3.4.5 | APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment stream. |

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| **3.5** | **Home Ownership Equity Protection Act (HOEPA) testing, to include:** |

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<br> 3.5.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

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| 3.5.2 | If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six- month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis. |

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<br> 3.5.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

<br> 3.5.3 Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

<br> 3.5.4 Review and confirm documentation type (i.e. full, stated, no ratio)

<br> 3.5.5 Review for evidence of prepayment penalty

<br> 3.5.6 Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

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| **3.6** | **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):** |

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Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

<br> 3.6.1 Good Faith Estimate (GFE):

<br> 3.6.2 Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.3 Confirm the presence of the current GFE form in effect at the time of origination.

<br> 3.6.4 Verify the GFE was provided to the borrower(s) within three days of "Application".

<br> 3.6.5 Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

<br> 3.6.5.1 Borrower(s) First and Last Name

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<br> 3.6.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

<br> 3.6.5.3 Subject Property Address (including "To Be Determined")

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| 3.6.5.4 | Mortgage Loan Amount Sought |

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<br> 3.6.5.5 Estimation of Property Value

<br> 3.6.5.6 Monthly Income

<br> 3.6.5.7 Any other requirement as defined in the lender's policies and procedures

<br> 3.6.6 Consultant will verify that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

<br> 3.6.7 Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

<br> 3.6.8 Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

<br> 3.6.9 Change of Circumstance Definition:

<br> 3.6.9.1 Acts of God, war, disaster or other emergency;

<br> 3.6.9.2 Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

<br> 3.6.9.3 New information particular to the borrower or transaction that was not relied on in providing the GFE; or

<br> 3.6.9.4 Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

<br> 3.6.9.5 In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document the reason the revised GFE was provided.

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| 3.6.9.6 | Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances." |

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<br> 3.6.10 Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.10.1 Confirm the presence of the current applicable Final HUD-1 form

<br> 3.6.10.2 Confirm the Final HUD-1 accurately lists all broker and YSP fees.

<br> 3.6.11 Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.11.1 Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

<br> 3.6.11.1.1 Origination Charge

<br> 3.6.11.1.2 Credit or Charge for Interest Rate Chosen

<br> 3.6.11.1.3 Adjusted Origination Charge

<br> 3.6.11.1.4 Transfer Taxes

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| 3.6.11.2 | Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services: |

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<br> 3.6.11.2.1 Lender-required settlement services (lender selects third-party provider);

<br> 3.6.11.2.2 Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

<br> 3.6.11.2.3 Government recording charges

<br> 3.6.12 Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.13 Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

<br> 3.6.14 Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.15 Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

**QM / ATR (QUALIFIED MORTGAGE / ABILITY TO REPAY) DODD FRANK REVIEW (LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022)**

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| **3.7** | **QM / ATR (Qualified Mortgage** **&nbsp;&nbsp;&nbsp;&nbsp; / Ability to Repay)**  |  |

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| 3.7.1 | **Ability to Repay** |

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• Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

• Consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

<br> o Income and Assets

<br> o Current Employment Status

<br> o Monthly qualifying payments for the proposed loan

<br> o Monthly payment on any simultaneous loans

<br> o Monthly payment for mortgage related obligations for the proposed loans

<br> o Debts, alimony and child support

<br> o Qualifying monthly DTI and/or residual income

<br> o Credit History

• If all of the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

<br> • ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit and compliance related reporting by the Consultant.

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| 3.7.2 | **<u>Qualified Mortgage</u>** |

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Consultant's scope includes review of all available QM types:

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<br> • Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

<br> • Revised QM (for applications taken on or after March 1, 2021);

<br> • Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

<br> • Agency QM with APOR (for applications taken on or after July 1, 2021); and

<br> • Government QM (for applications taken on or after January 10, 2014).

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| 3.7.3 | **<u>Generally Applicable Factor</u>** |

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The following factors are reviewed for Legacy, Revised and Agency QM categories:

• **REGULAR PAYMENTS**. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

• **TERM**. Loan term does not exceed 30 years.

• **POINTS AND FEES.** Points and fees do not exceed the applicable threshold for the appropriate loan amount.

<u>QM Rules Points and Fees Testing.</u>

<br> (A) Points and fees include:

<br> o Finance charges, unless excluded;

<br> o The portion of upfront private mortgage insurance that exceeds FHA premiums;

<br> o Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM testing;

<br> o Real estate-related fees if the creditor receives direct or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

<br> o Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

<br> o Maximum prepayment penalty; and

<br> o Prepayment penalty paid in a refinance.

<br> (B) Points and fees exclude:

<br> o Interest;

<br> o Bona fide third-party charges not retained by the creditor;

<br> o Government mortgage insurance premiums;

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| &nbsp;&nbsp;&nbsp;&nbsp;o | Private mortgage insurance premiums up to an amount equal to government insurance premiums; |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed APOR 2%; and |

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<br> o Sellers points

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<br> (C) A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 3 percent of the total loan amount for a loan greater than or equal to $100,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 8 percent of the total loan amount for a loan less than $12,500\* |

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| 3.7.4 | **Legacy QM** |

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In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

• **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.

• **Appendix Q.** Considers and verifies income, assets, employment, and debts in accordance with Appendix Q.

• **DTI.** The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

**Verified**. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

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| 3.7.5 | **Revised QM** |

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In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

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| 3.7.5.1 | **Monthly Payment.** |

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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.

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| 3.7.5.2 | **Consider and Verify.** |

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The creditor considers and verifies the consumer's current or expected income and assets and debt and his DTI or residual income

• As part of the "consider" requirement, Consultant 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.

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• **Consider and Verify Safe Harbor.** 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; Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

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

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

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

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| &nbsp;&nbsp;&nbsp;&nbsp;o | For purposes of compliance with verified safe harbor, 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, |

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<br> • Revised versions of manuals. A creditor also complies with the verified safe harbor where is complies with revised versions of the manuals listed above provided that the two versions are "substantially similar".

• The Revised QM Rule permits the creditor to "mix and match" verification standards from different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or more of the agency handbooks listed above.

• Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case may be).

• Note: due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable

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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.

• APOR. The APR on the loan does not exceed the threshold for the loan amount (values marked with "\*" are indexed for inflation):

For a first-lien loan with a loan amount greater than or equal to $110,260,\* 2.25% or more percentage points;<br>

For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5% or more;<br>

For a first lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;<br>

For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and<br>

For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points.<br>

Short Term ARMs. The APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

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|:---|:---|
| 3.7.6 | **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** |

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In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

<br> • LTV / CLTV

<br> • DTI – using the same calculation guidelines as QM

<br> • Credit Score

<br> • Reserves

• Maximum Loan Amount

<br> • Maximum Cash Out

<br> • Disposable Income

#### Agency QM with APOR/ General Qualified Mortgage (QM) testing
Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

#### Government QM/ General Qualified Mortgage (QM) testing

A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

<br> • LTV / CLTV

<br> • DTI – using the same calculation guidelines as QM

<br> • Credit Score

<br> • Reserves

• Maximum Loan Amount

<br> • Maximum Cash Out

<br> • Disposable Income

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| 3.7.7 | **Safe Harbor for Revised QM Rules** |

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For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

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|:---|:---|
| 3.7.8 | **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** |

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For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

<br> • QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

<br> • QM/TQM-ATR Pass / HPML&nbsp;&nbsp;&nbsp;&nbsp; <br> [QM or TQM – Pass / HPML – Yes]

<br> • ATR Fail / Non-HPML <br> [QM or TQM – Fail / HPML – No]

<br> • ATR Fail / HPML <br> [QM or TQM - Fail / HPML – Yes]

<br> • NonQM / Compliant <br> [NonQM or TQM Loan, Exempt / ATR – Compliant]

<br> • NonQM / Noncompliant <br> [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

<br> • Not Covered – / Exempt&nbsp;&nbsp;&nbsp;&nbsp; <br> [QM or TQM – Exempt / ATR – Exempt]

For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor designation:

<br> • VSH Confirmed <br> [Verified Safe Harbor}

<br> • NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

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|:---|:---|
| 3.7.9 | **For Legacy and Revised QM Rules** |

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• Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor

Capitalized terms used herein, unless defined where used, shall have the meanings ascribed to such terms in the SOW. This constitutes the entire agreement and understanding between the Parties with respect to amending the SOW. Except as expressly set forth in this Amendment, the terms and conditions of the SOW are hereby ratified, confirmed and approved in their entirety and shall continue in full force and

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effect, enforceable in accordance therewith and shall govern this Amendment. This Amendment may be executed in one or more counterparts, including facsimile counterparts, each of which, when so executed, shall be deemed an original and all of which, together, shall constitute one and the same instrument.

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|:---|:---|
| **3.8** | Additional Disclosures and Requirements: |

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Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

<br> 3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> 3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in file

<br> 3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

<br> 3.8.2 Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> 3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> 3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> 3.8.3 Affiliated Business Disclosure

<br> 3.8.3.1 Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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|:---|:---|
| 3.8.3.2 | 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) |

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<br> 3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

<br> 3.8.4 Initial Escrow Disclosure Statement

<br> 3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

<br> 3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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|:---|:---|
| **3.9** | **National Flood Insurance Program (NFIP)** |

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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.

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|:---|:---|
| **3.10** | **Homeowner's Flood Affordability Act (HFIAA)** |

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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

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by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016

<br> 3.10.1 Frequency – Payable with same frequency as payments designated for the loans

<br> 3.10.2 Exceptions

<br> 3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural purposes

<br> 3.10.2.2 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

<br> 3.10.2.3 Flood Insurance coverage for the residential real estate is provided by a policy that

<br> 3.10.2.3.1 Meets requirements

<br> 3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group and

<br> 3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

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|:---|:---|
| **3.11** | **Equal Credit Opportunity Act (Regulation B)** |

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<br> 3.11.1 Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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|:---|:---|
| 3.11.2 | 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)? |

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<br> 3.11.3 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

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|:---|:---|
| **3.12** | **Fair Credit Report Act (Regulation V)** |

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|:---|:---|
| 3.12.1 | 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 |

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decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

<br> 3.12.2 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.

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|:---|:---|
| **3.13** | **Regulatory Compliance Disclaimer** |

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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.

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| **3.14** | **Seasoning and Certain Compliance Exceptions** |

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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.

<br> 4. 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

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regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

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|:---|:---|
| **4.1** | Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq. |

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|:---|:---|
| **4.2** | California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq. |

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|:---|:---|
| **4.3** | California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq. |

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|:---|:---|
| **4.4** | Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007) |

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|:---|:---|
| **4.5** | Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq. |

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|:---|:---|
| **4.6** | Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008). |

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|:---|:---|
| **4.7** | Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949. |

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|:---|:---|
| **4.8** | 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. and DC Mortgage Disclosure Act of 2007. |

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|:---|:---|
| **4.9** | Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq. |

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|:---|:---|
| **4.10** | 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) |

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|:---|:---|
| **4.11** | Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq. |

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|:---|:---|
| **4.12** | Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq. |

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|:---|:---|
| **4.13** | Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq. |

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|:---|:---|
| **4.14** | Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003). |

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|:---|:---|
| **4.15** | 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. |

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|:---|:---|
| **4.16** | Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |

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|:---|:---|
| **4.17** | Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141 |

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§ 6 P2013-011.

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|:---|:---|
| **4.18** | Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and 16a-3-308a. |

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|:---|:---|
| **4.19** | Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY. House Bill 552 (2008). |

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|:---|:---|
| **4.20** | Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007). |

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|:---|:---|
| **4.21** | Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009). |

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|:---|:---|
| **4.22** | Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et seq. |

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|:---|:---|
| **4.23** | Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill 4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C). |

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|:---|:---|
| **4.24** | Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00 |

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|:---|:---|
| **4.25** | Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C. |

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|:---|:---|
| **4.26** | Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17). |

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|:---|:---|
| **4.27** | Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq. |

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|:---|:---|
| **4.28** | 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). |

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|:---|:---|
| **4.29** | Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq. |

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|:---|:---|
| **4.30** | Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and 492. |

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|:---|:---|
| **4.31** | New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1. |

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|:---|:---|
| **4.32** | New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009). |

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|:---|:---|
| **4.33** | New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001). |

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|:---|:---|
| **4.34** | New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008). |

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|:---|:---|
| **4.35** | North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24- 10.2(a) and as amended by House Bill 1817 (2007). |

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|:---|:---|
| **4.36** | Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and § 1.63 and as amended by S.B. 185. |

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|:---|:---|
| **4.37** | City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003. |

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|:---|:---|
| **4.38** | Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003). |

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|:---|:---|
| **4.39** | Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§ 160:45-9-1 et seq. |

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|:---|:---|
| **4.40** | Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq. |

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|:---|:---|
| **4.41** | City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006- 33 as amended. |

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|:---|:---|
| **4.42** | Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations. |

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|:---|:---|
| **4.43** | South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq. |

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|:---|:---|
| **4.44** | South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq. |

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|:---|:---|
| **4.45** | Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq. |

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|:---|:---|
| **4.46** | Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. |

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|:---|:---|
| **4.47** | Texas Constitution, Section 50(a)(6), Article XVI |

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|:---|:---|
| **4.48** | Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61- 2c-102 et seq. |

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|:---|:---|
| **4.49** | Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq. |

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|:---|:---|
| **4.50** | Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2. |

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|:---|:---|
| **4.51** | Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), VA. Code Ann. |

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§§ 6.1-413; 6.1-422, 6.1-428.

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|:---|:---|
| **4.52** | 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. |

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|:---|:---|
| **4.53** | Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008. |

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|:---|:---|
| **4.54** | Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202. |

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|:---|:---|
| **4.55** | West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq. |

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|:---|:---|
| **4.56** | Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq. |

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<br> 5. Misrepresentation and Third Party Product Review

Validate that fraud reports and independent third party property valuations reports are in the file. The review will consist of the following:

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|:---|:---|
| **5.1** | **Misrepresentation Review** |

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Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

<br> 5.1.1 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.

<br> 5.1.2 Alerts

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Assess credit report alerts for accuracy and potential issues.

<br> 5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

<br> 5.1.4 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.

<br> 5.1.5 Data Consistency

Review the documents contained in the loan file for consistency of data.

<br> 5.1.6 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.

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|:---|:---|
| **5.2** | **Independent Third Party Values** |

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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.

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| | |
|:---|:---|
| 5.2.1 | For loans seasoned less than 12 months a retroactive desk review will generally be ordered. If the retroactive desk review supports the origination appraised value within a 10% variance no additional products will be required. If the retroactive desk review does not support the original appraised value within a 10% variance, a secondary valuation product such as a field review or drive-by appraisal will be required. If the loan is seasoned more than 12 months generally a BPO can be ordered. The seasoning and products can be adjusted to meet specific rating agency requirements. |

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<br> 5.2.2 Consultant will also perform the following steps

<br> 5.2.2.1 Based on review of the original appraisal

<br> 5.2.2.1.1 Property is complete

<br> 5.2.2.1.2 Value is based on as-is condition

<br> 5.2.2.1.3 Property is described as average or better condition

<br> 5.2.2.1.4 No apparent appraiser independence violation statements

<br> 5.2.2.1.5 Appraisal addresses any adverse comments

<br> 5.2.2.2 Appraisal is completed on appropriate GSE Form

<br> 5.2.2.2.1 Appraisal contains required attachments

<br> 5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

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| | |
|:---|:---|
| 5.2.3 | 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. |

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<br> 5.2.4 Value Review Disclaimer

<br> 5.2.4.1 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

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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.

<br> 5.2.4.2 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.

<br> 5.2.4.3 Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

<br> 5.2.4.4 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.

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| | |
|:---|:---|
| **5.3** | **Payment History and Servicing Comments** |

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If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

<br> 5.3.1 – Timely payment posting

<br> 5.3.2 – Request for modification

<br> 5.3.3 – Property condition issues

<br> 5.3.4 – Change in occupancy

<br> 5.3.5 – Change in ability to pay

<br> 5.3.6 – Other items impacting the enforcement of the lien

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| | |
|:---|:---|
| **5.4** | **Title Reports** |

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<br> 5.4.1 If the loan is season over 24 months Consultant will facilitate the ordering of title reports. Consultant and client agree the vendor providing the title reports will be responsible for issuing a separate 15E.

<br> 5.4.2 Consultant is not responsible for the accuracy of the title reports, nor makes any representations or warranties with respect to any of the information contained in the title reports.

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| | |
|:---|:---|
| **5.5** | **Updated FICO Scores** |

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If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

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| | |
|:---|:---|
| **5.6** | **Properties in FEMA declared disaster zones.** |

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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

<br> 5.6.1 No apparent damage to the property

<br> 5.6.2 Property appears to be occupied

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<br> 6. 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. Consultant and Client can mutually agree to change the listed fields a review by review basis.

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| | |
|:---|:---|
| **6.1** | - Appraised Value |

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| | |
|:---|:---|
| **6.2** | CLTV |

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| | |
|:---|:---|
| **6.3** | DTI |

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| | |
|:---|:---|
| **6.4** | FICO |

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| | |
|:---|:---|
| **6.5** | Interest Only |

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| | |
|:---|:---|
| **6.6** | Interest Rate |

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| | |
|:---|:---|
| **6.7** | Loan Term |

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| | |
|:---|:---|
| **6.8** | Loan Purpose |

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| | |
|:---|:---|
| **6.9** | LTV |

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| | |
|:---|:---|
| **6.10** | Occupancy |

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| | |
|:---|:---|
| **6.11** | Original Balance |

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| | |
|:---|:---|
| **6.12** | Property Address |

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| | |
|:---|:---|
| **6.13** | Property City |

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| | |
|:---|:---|
| **6.14** | Property State |

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| | |
|:---|:---|
| **6.15** | Property Type |

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| | |
|:---|:---|
| **6.16** | Sales Price |

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| | |
|:---|:---|
| **6.17** | Second Mortgage Lien Amount |

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| | |
|:---|:---|
| **6.18** | Self Employed |

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| | |
|:---|:---|
| **6.19** | Units |

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| | |
|:---|:---|
| **6.20** | Zip Code |

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| | |
|:---|:---|
| **6.21** | Loan Type |

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| | |
|:---|:---|
| **6.22** | QM Status |

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<br> 7. Fitch Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

<br> 8. Moody's Grading Criteria

Opus Privileged and Confidential Public Page 21<br>

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Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

<br> 9. Kroll Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

<br> 10. Standard & Poor's Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

<br> 11. DBRS 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.

<br> 12. 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:

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| | |
|:---|:---|
| **12.1** | **Opus Credit Grades** |

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<br> 12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> 12.1.2 Opus 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.

<br> 12.1.3 Opus 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.

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| | |
|:---|:---|
| **12.2** | Opus Property Grades |

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<br> 12.2.1 Opus 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.

<br> 12.2.2 Opus 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.

<br> 12.2.3 Opus 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.

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| | |
|:---|:---|
| **12.3** | Opus Compliance Grades |

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Opus Privileged and Confidential Public Page 22<br>

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<br> 12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

<br> 12.3.2 Opus 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.

<br> 12.3.3 Opus 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.

Opus Privileged and Confidential Public Page 23<br>

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### Pool Details

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| | | |
|:---|:---|:---|
| **Purpose** |  |  |
| Type | Count | % of Pool |
| Cash out Refi | 1 | 2.08% |
| Purchase | 35 | 72.92% |
| Rate / Term Refi | 12 | 25.00% |
| **Total** | **48** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 33 | 68.75% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 4 | 8.33% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 11 | 22.92% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| **Total** | **48** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 42 | 87.50% |
| Second Home | 6 | 12.50% |
| Investment Property | 0 | 0.00% |
| **Total** | **48** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 48 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **48** | **100.00%** |

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Opus Privileged and Confidential Public Page 24<br>

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### Tape Discrepancies

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| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Property Value | 1 | 97.92% |
| Property Zip Code | 1 | 97.92% |
| Qualifying CLTV | 2 | 95.83% |
| Qualifying LTV | 2 | 95.83% |
| Qualifying Total Debt Income Ratio | 16 | 66.67% |
| **Total Loan Population** | **48** |  |

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**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

### Loan Grading Definitions

#### Credit

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &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;&nbsp; A | &nbsp;&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;&nbsp; B | &nbsp;&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;&nbsp; C | &nbsp;&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;&nbsp; D | &nbsp;&nbsp;&nbsp; D | &nbsp;&nbsp; The loan file is missing critical documentation required to perform the review |

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#### Compliance

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| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | &nbsp;&nbsp; Definition |
| A | A | A | 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 |
| B | B | B | 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 |
| C | C | C | 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 |
| D | D | D | D | &nbsp;&nbsp; The loan file is missing critical documentation required to perform the review |

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

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Opus Privileged and Confidential Public Page 25<br>

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#### Property Valuation

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| | |
|:---|:---|
| &nbsp;&nbsp; Moody's | &nbsp;&nbsp; Definition |
| &nbsp;&nbsp; A<br> &nbsp;&nbsp;&nbsp; A | &nbsp;&nbsp; Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete.<br> Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp; B<br> &nbsp;&nbsp;&nbsp; B | &nbsp;&nbsp; Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp; C<br> &nbsp;&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<br> &nbsp;&nbsp;&nbsp; D | &nbsp;&nbsp; The loan file was missing the appraisal and/or other valuations products needed to complete the review |

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| | |
|:---|:---|
| &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.<br> 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 effect 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<br> 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 |

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### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated February 6, 2026.

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| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 38 | 79.17% |
| B | 10 | 20.83% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | | |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 44 | 91.67% |
| B | 4 | 8.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

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| | | |
|:---|:---|:---|
| **Credit Grade Summary** | | |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 42 | 87.50% |
| B | 6 | 12.50% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

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| | | |
|:---|:---|:---|
| **Property Grade Summary** | | |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 48 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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**<br>

Opus Privileged and Confidential Public Page 27**

<br> ------

### Loans Reviewed (48 Loans)

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| | | | |
|:---|:---|:---|:---|
| 54920260205001 | 54920260205013 | 54920260205025 | 54920260205037 |
| 54920260205002 | 54920260205014 | 54920260205026 | 54920260205038 |
| 54920260205003 | 54920260205015 | 54920260205027 | 54920260205039 |
| 54920260205004 | 54920260205016 | 54920260205028 | 54920260205040 |
| 54920260205005 | 54920260205017 | 54920260205029 | 54920260205041 |
| 54920260205006 | 54920260205018 | 54920260205030 | 54920260205042 |
| 54920260205007 | 54920260205019 | 54920260205031 | 54920260205043 |
| 54920260205008 | 54920260205020 | 54920260205032 | 54920260205044 |
| 54920260205009 | 54920260205021 | 54920260205033 | 54920260205045 |
| 54920260205010 | 54920260205022 | 54920260205034 | 54920260205046 |
| 54920260205011 | 54920260205023 | 54920260205035 | 54920260205047 |
| 54920260205012 | 54920260205024 | 54920260205036 | 54920260205048 |

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

Opus Privileged and Confidential Public Page 28<br>

## Exhibit 99.2

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Original Loan Amount** |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205031 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205037 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205016 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205017 | $XXXXXXX<br> D<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205034 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205036 | $XXXXXXX<br> A<br> B |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205015 | $XXXXXXX<br> A<br> B |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205042 | $XXXXXXX<br> D<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205019 | $XXXXXXX<br> B<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205026 | $XXXXXXX<br> D<br> C<br> A<br> B |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205028 | $XXXXXXX<br> B<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205023 | $XXXXXXX<br> B<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205048 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205040 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205044 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205041 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205043 | $XXXXXXX<br> A<br> C |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205046 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205032 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205030 | $XXXXXXX<br> A<br> C |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205033 | $XXXXXXX<br> D<br> C<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205022 | $XXXXXXX<br> A<br> C |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205024 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205018 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205045 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205047 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205029 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205021 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205020 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205035 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205038 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205039 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205025 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205027 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205011 | $XXXXXXX<br> D<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205008 | $XXXXXXX<br> B<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205002 | $XXXXXXX<br> A<br> B |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205004 | $XXXXXXX<br> B<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205005 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205014 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205009 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205006 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205013 | $XXXXXXX<br> B<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205010 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205012 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205007 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205003 | $XXXXXXX<br> A |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260205001 | $XXXXXXX<br> A |

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## Exhibit 99.2

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor 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? |
| XXXXXX | XXXXXX | XXXXXX | 54920260205031 | XX/XX/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 | 16095.16 | 6.063 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23083.45 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205037 | XX/XX/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 | 1745.0 | 6.214 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39579.82 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205016 | XX/XX/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 | 12014.0 | 6.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24294.17 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205017 | XX/XX/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 | 3077.2 | 6.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52341 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205034 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1995.0 | 6.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18481.09 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205036 | XX/XX/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 | 1150.0 | 6.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30819.44 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205015 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4155.38 | 6.411 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19886.43 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205042 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11951.05 | 6.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17008.35 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205019 | XX/XX/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 | 23100.25 | 6.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23467.62 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205026 | XX/XX/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 | 17219.0 | 6.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34502.59 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205028 | XX/XX/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 | 12267.88 | 6.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 638096.56 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205023 | XX/XX/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 | 11559.16 | 6.005 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15948.43 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205048 | XX/XX/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 | 12046.79 | 6.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12187.1 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205040 | XX/XX/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 | 19659.0 | 6.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16768.25 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205044 | XX/XX/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 | 20747.0 | 6.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19222.16 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205041 | XX/XX/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 | 11169.0 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19500.61 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205043 | XX/XX/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 | 1590.0 | 6.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23132.77 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205046 | XX/XX/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 | 22005.5 | 6.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44745.9 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205032 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12779.0 | 6.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10363.76 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205030 | XX/XX/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 | 16124.0 | 6.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21168.6 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205033 | XX/XX/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 | 1041.0 | 6.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29515.87 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205022 | XX/XX/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 | 3683.0 | 6.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15480.48 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205024 | XX/XX/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 | 1690.0 | 6.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20993.57 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205018 | XX/XX/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 | 5520.0 | 6.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41774.55 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205045 | XX/XX/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 | 15649.23 | 6.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55571.65 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205047 | XX/XX/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 | 12895.0 | 6.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13275.37 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205029 | XX/XX/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 | 6470.8 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16176.06 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205021 | XX/XX/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 | 11445.0 | 6.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31844.09 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205020 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16694.0 | 6.55 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14984.08 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205035 | XX/XX/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 | 1745.0 | 6.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19878 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205038 | XX/XX/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 | 6735.0 | 6.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32249.97 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205039 | XX/XX/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 | 26168.0 | 6.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21695.21 | N/A | Retired |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205025 | XX/XX/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 | 14596.0 | 6.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30000.46 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205027 | XX/XX/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 | 8729.0 | 6.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63039.89 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205011 | XX/XX/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 | 1595.0 | 6.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38627.68 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205008 | XX/XX/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 | 1100.0 | 6.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22062.71 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205002 | XX/XX/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 | 0.0 | 6.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26016.12 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205004 | XX/XX/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 | 2728.68 | 5.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25309.88 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205005 | XX/XX/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 | 2296.6 | 6.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20678.48 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205014 | XX/XX/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 | 1270.0 | 6.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79526.57 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205009 | XX/XX/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 | 1035.0 | 6.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22356.18 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205006 | XX/XX/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 | 1479.0 | 6.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19213.26 | N/A | Employed |  | No |  | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205013 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2290.0 | 6.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25456.18 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205010 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13581.73 | 6.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17155.56 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205012 | XX/XX/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 | 26807.0 | 6.135 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42548.82 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205007 | XX/XX/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 | 569.0 | 6.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31358.62 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205003 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10958.0 | 6.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23059.43 | N/A | Employed | Employed | No | No | No |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205001 | XX/XX/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 | 1690.0 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16892.64 | N/A | Employed | Employed | No | No | No |  |

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## Exhibit 99.2

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| **Loan ID** | **Seller Loan ID** | **Investor 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** | **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 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 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** | **Maturity Date** | **Other Lien Interest Rate** |
| XXXXXX | XXXXXX | XXXXXX | 54920260205031 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $23083.45 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 28.18% | 28.18% | 28.18% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 33 | 33 | Work Number | Yes | 32 | 32 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 782 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41498.31 | 6.7 | 41498.31 | 6.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205037 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $39579.82 | N/A |  |  | $0.00 |  |  | 27.29% | 27.29% | 27.29% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 787 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 390682.99 | 39.0 | 390682.99 | 39.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205016 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 7 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $24294.17 | N/A |  |  | $0.00 |  |  | 25.00% | 25.00% | 25.00% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 254834.50 | 32.2 | 254834.50 | 32.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205017 | AUS Jumbo Correspondent | TPO AUS Jumbo | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $52341.00 | N/A |  |  | $0.00 |  |  | 34.64% | 34.68% | 34.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 436373.91 | 21.8 | 436373.91 | 21.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205034 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $18481.09 | N/A |  |  | $0.00 |  |  | 43.47% | 43.47% | 43.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | No | 0 | Yes | 99 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 803 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 83769.36 | 7.5 | 83769.36 | 7.5 | No | 74.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205036 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $30819.44 | N/A |  |  | $0.00 |  |  | 32.03% | 32.03% | 32.03% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> 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<br> NA | 0 | No | 0 | Yes | 192 | 33 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 91965.25 | 6.6 | 91965.25 | 6.6 | No | 74.79 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205015 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 18 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19886.43 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 49.23% | 49.23% | 49.23% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 740 |  |  |  |  |  |  |  |  | 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 | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Stamp and Passport |  | XX/XX/XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 188517.92 | 14.1 | 188517.92 | 14.1 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205042 | AUS Jumbo Correspondent | AUS Jumbo Product  | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $17008.35 | No | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 47.50% | 47.52% | 47.52% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESCorp, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | 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, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| 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, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 750 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29913.35 | 3.3 | 29913.35 | 3.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205019 | TPO AUS Jumbo  | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | v1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $23467.62 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 34.99% | 34.99% | 34.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2<br> 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 |  | Yes | 1 | 1 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No | HELOC | XXXX | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 747347.55 | 59.8 | 747347.55 | 59.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX | 6 |
| XXXXXX | XXXXXX | XXXXXX | 54920260205026 | AUS Jumbo TPO | AUS Jumbo TPO | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $34502.59 | N/A |  |  | $0.00 |  |  | 30.88% | 25.94% | 25.94% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 36 | 30 | Other | Yes | 36 | 30 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 253576.18 | 21.4 | 253576.18 | 21.4 | No | 60.48 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205028 | AUS Jumbo Correspondent | AUS Jumbo Product  | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.160% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $638096.56 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 26.28% | 26.28% | 26.28% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 1 | 1 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 804 |  |  |  |  |  |  |  |  | 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 Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29872.25 | 3.2 | 29872.25 | 3.2 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205023 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 13 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XXXX | 6.290% | LP | Accept Eligible | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $15948.43 | N/A |  |  | $0.00 |  |  | 32.30% | 32.30% | 32.30% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> 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<br> NA | 0 | No | 0 | Yes | 32 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 477112.95 | 63.3 | 477112.95 | 63.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205048 | AUS Jumbo Correspondent | AUS Jumbo Product  | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.170% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $12187.10 | N/A |  |  | $0.00 |  |  | 39.32% | 39.32% | 39.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 22 | 22 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | 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 | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | Work Visa  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 144464.37 | 19.2 | 144464.37 | 19.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205040 | AUS Jumbo Correspondent | AUS Jumbo Product  | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16768.25 | N/A |  |  | $0.00 |  |  | 33.95% | 33.95% | 33.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 121 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 934540.19 | 114.0 | 934540.19 | 114.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205044 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 13 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19222.16 | N/A |  |  | $0.00 |  |  | 39.50% | 39.50% | 39.50% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 2 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 772 |  |  |  |  |  |  |  |  | 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 | Passport |  | XX | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 157311.25 | 19.6 | 157311.25 | 19.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205041 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19500.61 | N/A |  |  | $0.00 |  |  | 31.15% | 31.33% | 31.33% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 173 | 34 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 794 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160201.48 | 19.4 | 160201.48 | 19.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205043 | AUS Jumbo Correspondent | AUS Jumbo Product  | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $23132.77 | N/A |  |  | $0.00 |  |  | 29.08% | 29.08% | 29.08% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | No | 0 | Yes | 28 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | Yes | No | N/A | 87006.73 | 12.3 | 87006.73 | 12.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205046 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | V1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $44745.90 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 22.35% | 22.35% | 22.35% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 72 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 775 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 263605.12 | 27.2 | 263605.12 | 27.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205032 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $10363.76 | N/A |  |  | $0.00 |  |  | 49.51% | 49.51% | 49.51% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 129 | 33 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025"] - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 779 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 102312.38 | 11.7 | 37079.15 | 4.3 | No | 69.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205030 | AUS Jumbo Correspondent | TPO AUS Jumbo 10.13.25 | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $21168.60 | N/A |  |  | $0.00 |  |  | 36.87% | 36.87% | 36.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 433368.61 | 41.1 | 433368.61 | 41.1 | No | 73.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205033 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $29515.87 | N/A |  |  | $0.00 |  |  | 24.40% | 24.65% | 24.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 1<br> 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 |  |  | Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101628.85 | 14.2 | 101628.85 | 14.2 | No | 58.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205022 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 4 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $15480.48 | N/A |  |  | $0.00 |  |  | 37.65% | 36.71% | 36.71% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 1 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 22 | 22 | FNMA 1005 | No | 0 |  |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 764 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 109062.80 | 13.2 | 109062.80 | 13.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205024 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $20993.57 | N/A |  |  | $0.00 |  |  | 35.59% | 35.59% | 35.59% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 32 | 32 | Work Number | Yes | 32 | 32 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 791 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 65195.73 | 8.3 | 65195.73 | 8.3 | No | 69.23 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205018 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $41774.55 | N/A |  |  | $0.00 |  |  | 30.47% | 30.47% | 16.70% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 3 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2025"] - 2022, 2023, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2025"] - 2022, 2023, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 771 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 332338.25 | 30.2 | 332338.25 | 30.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205045 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $55571.65 | N/A |  |  | $0.00 |  |  | 21.32% | 20.19% | 20.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1<br> 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, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 812 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1059738.96 | 85.0 | 1059738.96 | 85.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205047 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 11 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XXXX | 6.240% | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $13275.37 | N/A |  |  | $0.00 |  |  | 43.92% | 37.09% | 37.09% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 773 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 193157.60 | 27.3 | 193157.60 | 27.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205029 | AUS Jumbo TPO | AUS Jumbo TPO | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16176.06 | N/A |  |  | $0.00 |  |  | 40.27% | 40.27% | 40.27% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 185139.97 | 22.0 | 185139.97 | 22.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205021 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $31844.09 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 31.11% | 31.11% | 31.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 1 |  |  | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1046320.82 | 126.7 | 1046320.82 | 126.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205020 | AUS Jumbo TPO | AUS Jumbo TPO | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $14984.08 | N/A |  |  | $0.00 |  |  | 36.68% | 43.11% | 43.11% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 731 |  |  |  |  |  |  |  |  | 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 Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 107948.25 | 10.5 | 107948.25 | 10.5 | No | 59.14 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205035 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19878.00 | N/A |  |  | $0.00 |  |  | 36.33% | 36.03% | 36.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 0<br> 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 |  |  | Borrower - Wage, Commission - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 178256.81 | 23.7 | 329967.37 | 43.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205038 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XXXX | 6.290% | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $32249.97 | N/A |  |  | $0.00 |  |  | 24.40% | 24.40% | 24.40% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | No | 0 | Yes | 68 | 33 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 810 |  |  |  |  |  |  |  |  | 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 Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 186499.43 | 23.7 | 186499.43 | 23.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205039 | AUS Jumbo Correspondent | 09.04.25 | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $21695.21 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 39.24% | 39.24% | 39.24% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0<br> NA | Yes | No | 240.0 | 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, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 76745.94 | 7.2 | 76745.94 | 7.2 | No | 80.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205025 | AUS Jumbo Correspondent | AUS JUMBO PRODUCT | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 7 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $14596.00 | XXXX | 6.320% | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $30000.46 | N/A |  |  | $0.00 |  |  | 26.27% | 26.27% | 26.27% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 796 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | I-551 Permanent Resident Card  |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 84244.62 | 8.9 | 84244.62 | 8.9 | No | 78.77 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205027 | AUS Jumbo TPO | AUS Jumbo TPO | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $63039.89 | N/A |  |  | $0.00 |  |  | 34.25% | 34.25% | 34.25% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 282793.60 | 27.9 | 282793.60 | 27.9 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205011 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $38627.68 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 27.82% | 27.82% | 27.82% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  |  | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 955789.00 | 84.0 | 955789.00 | 84.0 | No | 68.97 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205008 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $22062.71 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 41.51% | 41.44% | 41.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 3<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 100.00% | Stocks/Bonds | Borrower Prepared | 24 | Borrower | Borrower Prepared | Borrower | 6<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 383339.53 | 37.4 | 383339.53 | 37.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205002 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XXXX | 6.540% | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $26016.12 | N/A | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 24.04% | 24.04% | 24.04% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 20 | 20 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 777 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21127.99 | 3.2 | 21127.99 | 3.2 | No | 67.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205004 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $25309.88 | N/A | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 30.87% | 30.87% | 30.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 30 | 30 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 798 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 246870.60 | 31.8 | 246870.60 | 31.8 | No | 67.39 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205005 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A |  | XXXX | 6.630% | DU | Approve Eligible | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $20678.48 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 27.46% | 27.46% | 27.46% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 2 | 0 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 8 | Borrower | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 781 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53890.20 | 7.1 | 53890.20 | 7.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205014 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $79526.57 | N/A |  |  | $0.00 |  |  | 11.72% | 11.72% | 11.72% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 2 | 3 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 9<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESCorp, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified \|\| Co 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","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 802 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 222443.94 | 29.5 | 222443.94 | 29.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205009 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $22356.18 | Yes | XXXXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 29.78% | 29.78% | 29.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | No | 0 | Yes | 36 | 36 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 610345.62 | 84.4 | 610345.62 | 84.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205006 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $19213.26 | N/A |  |  | $0.00 |  |  | 39.79% | 39.79% | 39.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 23 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | 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 | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 168832.34 | 17.5 | 168832.34 | 17.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205013 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $25456.18 | N/A |  |  | $0.00 |  |  | 45.78% | 45.78% | 45.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 99 | 33 | Work Number | Yes | 78 | 33 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 538550.85 | 33.8 | 538550.85 | 33.8 | No | 64.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205010 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $17155.56 | N/A |  |  | $0.00 |  |  | 44.88% | 43.01% | 43.01% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 751 |  |  |  |  |  |  |  |  | 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 Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169339.28 | 14.8 | 169339.28 | 14.8 | No | 67.77 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205012 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $42548.82 | N/A |  |  | $0.00 |  |  | 33.49% | 33.49% | 33.49% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 801 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 430646.56 | 27.1 | 430646.56 | 27.1 | No | 68.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205007 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.320% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $31358.62 | N/A |  |  | $0.00 |  |  | 22.74% | 22.81% | 22.81% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0<br> 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 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 800 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 264789.41 | 29.1 | 264789.41 | 29.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205003 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $23059.43 | N/A |  |  | $0.00 |  |  | 43.59% | 43.47% | 43.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 117 | 32 | FNMA 1005 | Yes | 82 | 32 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1278641.39 | 94.5 | 1278641.39 | 94.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |
| XXXXXX | XXXXXX | XXXXXX | 54920260205001 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXXX | XXXXXXX | XXXX | 1 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A |  | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | XXX |  | XXX | XXXX | XXXX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $16892.64 | N/A |  |  | $0.00 |  |  | 38.16% | 38.16% | 38.16% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 2 | 3 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - SESCorp - 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 780 |  |  |  |  |  |  |  |  | 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 | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 331231.10 | 44.0 | 331231.10 | 44.0 | No | 65.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXX |  |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor 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** | **Original AVM Confidence Score** | **Original AVM FSD** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **Most Recent AVM Confidence Score** | **Most Recent AVM FSD** | **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** |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205031 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205037 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205016 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205017 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | -.0668 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205034 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 74.91 | 74.91 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205036 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 74.79 | 74.79 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205015 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205042 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205019 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 58.68 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205026 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 60.48 | 60.48 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205028 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | -.0002 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205023 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205048 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205040 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | 2000 One Unit Appraisal Field Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205044 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |  | 3.7 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205041 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | 1.3 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205043 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | -.0250 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205046 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 2.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205032 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 69.31 | 69.31 |  |  | AVM | $XXXXXX | $XXXXXX | -.0862 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.950000 | 0.05 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205030 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 73.17 | 73.17 |  |  | AVM | $XXXXXX | $XXXXXX | -.0706 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205033 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 58.06 | 58.06 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205022 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | -.0898 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205024 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 69.23 | 69.23 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205018 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205045 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205047 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205029 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205021 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205020 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 59.14 | 59.14 |  |  | AVM | $XXXXXX | $XXXXXX | -.0778 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.880000 | 0.12 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205035 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | .0080 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205038 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | .0591 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.930000 | 0.07 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205039 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | 80.0 | 80.0 |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205025 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 78.77 | 78.77 |  |  | AVM | $XXXXXX | $XXXXXX | -.0818 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.930000 | 0.07 | Other | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205027 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 75.0 | 75.0 |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205011 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | 68.97 | 68.97 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 2.1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205008 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205002 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 67.55 | 67.55 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205004 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 67.39 | 67.39 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205005 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205014 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205009 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205006 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205013 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 64.21 | 64.21 |  |  | 1004 URAR | $XXXXXX | 0 | .0000 |  |  |  |  | $XXXXXX | 0 | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205010 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 67.77 | 67.77 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205012 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 68.99 | 68.99 |  |  | 1004 URAR | $XXXXXX | $XXXXXX | .0221 |  |  |  |  | $XXXXXX | $XXXXXX | .0221 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205007 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | 2000 One Unit Appraisal Field Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | Lenders Appraisal Service | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205003 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 80.0 | 80.0 |  |  | AVM | $XXXXXX | $XXXXXX | -.0788 |  |  |  |  | .0 |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | 0.960000 | 0.04 | Clear Capital | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible | 2.9 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXXXX | 54920260205001 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | 65.03 | 65.03 |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |

---

## Exhibit 99.2

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205017 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.68 | 34.64 | Audited calculated monthly liabilities asper document in the loan file |
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205034 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.47 | 43.51 | Audit liabilities were based on documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205042 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.52 | 47.50 | Audit DTI difference is due to income calculations based on documents in loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205019 | 0549-147 | Property Value | propertyValuationPage | Per Audit | Per Tape | Audit Value Pulled From Appraisal.<br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205019 | 0549-147 | Qualifying CLTV | propertyValuationPage | 80.0 | 78.74 | Audit Value of 1st + 2nd lien / Qualifying Value"<br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205019 | 0549-147 | Qualifying LTV | propertyValuationPage | 58.68 | 58.48 | Audit Value of Subject Lien / Qualifying Value"<br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205026 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.94 | 30.88 | Audit reflects difference in subject property taxes per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205044 | 0549-147 | Property Zip Code | notePage | Per Audit | Per Tape | Audit value pulled from Note. |
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205041 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.33 | 31.15 | Audit reflects difference in subject property taxes, HOI and debts per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205033 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.65 | 24.40 | Audit reflects difference in subject property taxes per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205022 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.71 | 37.28 | Audit reflects difference in subject property taxes per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205024 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.59 | 35.60 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205018 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.47 | 28.85 | 1008 DTI 30.60%. Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205045 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.19 | 21.16 | Audit reflects difference in subject homeowner's insurance per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205047 | 0549-147 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.09 | 43.92 | 1008 DTI 43.921%. Audit reflects difference in subject property taxes per documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205008 | 0549-143 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.44 | 41.46 | Audit liabilities were based on documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205004 | 0549-143 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.87 | 30.86 | 1008 DTI is 30.865. Rounding. |
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205005 | 0549-143 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.46 | 27.44 | DTI difference is less than 1% and within Lender Tolerance. |
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205013 | 0549-143 | Qualifying LTV | propertyValuationPage | 64.21 | 64.20 | Audit Value of Subject Lien / Qualifying Value"<br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205013 | 0549-143 | Qualifying CLTV | propertyValuationPage | 64.21 | 64.20 | Audit Value of 1st + 2nd lien / Qualifying Value"<br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205013 | 0549-143 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.78 | 46.00 | Audit liabilities were based on documents in the loan file. <br>|
| XXXXXXX | XXXXXXX | XXXXXXX | 54920260205010 | 0549-143 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.01 | 44.88 | Audit reflects difference in subject property taxes per documents in the loan file. <br>|

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor 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?** |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205017 | Closed | 2025-11-20 13:13 | 2025-12-18 12:30 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received evidence of wire from HELOC to the subject loan closing. Condition cleared. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Hi there...just following up to see if this finding can be cleared. Thanks! - Seller-12/18/2025 <br> Ready for Review-Hi there! Just following up to see if the document I uploaded on XX/XX/XXXX is sufficient to cure the finding. Thanks! - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Counter-Received HELOC documents that were provided in the loan file which include a HELOC Activity document dated XX/XX/XXXX indicating the proceeds of $XXX,XXX.XX were transferred to the title company however the final CD for the subject property dated XX/XX/XXXX does not reflect the receipt of these funds. Provide evidence from the title company of the receipt of proceeds such as an updated Closing Disclosure. Condition remains. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. Borrower's home on XXXXXXXX did not sell...qualified with full PITI. Instead, the borrower obtained a HELOC. - Seller-12/04/2025 <br> Counter-Missing evidence the proceeds from the second lien of the departing residence were wired to the title company. Condition remains. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-I uploaded the wrong document to this file...sorry! - Seller-11/29/2025 <br> Ready for Review-Document Uploaded. - Seller-11/29/2025 <br> Open-Missing evidence the proceeds from the second lien of the departing residence were wired to the title company. - Due Diligence Vendor-11/20/2025 | Ready for Review-Hi there...just following up to see if this finding can be cleared. Thanks! - Seller-12/18/2025 <br> Ready for Review-Hi there! Just following up to see if the document I uploaded on 12/11 is sufficient to cure the finding. Thanks! - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. Borrower's home on XXXXXXXX did not sell...qualified with full PITI. Instead, the borrower obtained a HELOC. - Seller-12/04/2025 <br> Ready for Review-I uploaded the wrong document to this file...sorry! - Seller-11/29/2025 <br> Ready for Review-Document Uploaded. - Seller-11/29/2025<br>| Resolved-Received evidence of wire from HELOC to the subject loan closing. Condition cleared. - Due Diligence Vendor-12/18/2025<br>| HELOC.pdf<br> HELOC.pdf<br> Wire from XXXXXXXX to XXXXXXXX Title.pdf |  |  | XX | Primary Residence | Purchase | NA | 6329944 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205036 | Closed | 2025-11-21 12:22 | 2025-12-22 14:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/22/2025 <br>Open-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/22/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6344914 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205015 | Closed | 2025-12-01 07:57 | 2025-12-22 14:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-12/22/2025 <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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-12/22/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6426713 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205042 | Closed | 2025-12-04 11:58 | 2025-12-18 10:32 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received Appraisal Supplemental Addendum and letter of explanation indicating the subject is a new development and HOA structure is not yet in place. Estimated HOA dues used to qualify. Condition cleared. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-Subject property HOA document is missing in the loan file. HOA amount as $XX. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-Received Appraisal Supplemental Addendum and letter of explanation indicating the subject is a new development and HOA structure is not yet in place. Estimated HOA dues used to qualify. Condition cleared. - Due Diligence Vendor-12/18/2025<br>| HOA.pdf<br>HOA.pdf<br>No HOA email from title.pdf |  |  | XX | Primary Residence | Purchase | NA | 6487946 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205019 | Closed | 2025-11-17 11:57 | 2025-12-17 17:56 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/17/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/17/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/17/2025<br>|  |  | FICO 808; Reserves $747k; DTI 35%; Borrower with 20 years in same field of work | XX | Primary Residence | Purchase | NA | 6275839 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205026 | Closed | 2025-11-19 13:00 | 2025-12-16 06:04 | Cured | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (material jurisdictions) | Cured-Reopened rescission expired. Condition cured. This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Received corrected RTC. Reopened rescission expires EOD XX/XX/XXXX. Finding will be cured upon expiration of the reopened rescission. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (material jurisdictions) SFA Position - C exception grade for circuits in which there is an unfavorable ruling for the usage of an H-8/G-5 form in all scenarios.<br> - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Cured-Reopened rescission expired. Condition cured. This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-12/16/2025<br>| XXXX XXXXXXXXXXX NRTC.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6309209 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205026 | Closed | 2025-11-24 14:20 | 2025-12-09 05:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Received credit supplement with mortgage history. Condition cleared. - Due Diligence Vendor-12/09/2025 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements The loan file is missing evidence of a payment history or terms of the existing first lien as required by AUS. - Due Diligence Vendor-11/24/2025 |  | Resolved-Received credit supplement with mortgage history. Condition cleared. - Due Diligence Vendor-12/09/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6370916 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205026 | Closed | 2025-11-22 09:35 | 2025-12-09 05:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received credit supplement with mortgage history. Condition cleared. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan file is missing evidence of a payment history or terms of the existing first lien as required by AUS. - Due Diligence Vendor-11/22/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received credit supplement with mortgage history. Condition cleared. - Due Diligence Vendor-12/09/2025<br>| XXXX XXXXXXXXXXX Credit Supplement.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6354279 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205028 | Closed | 2025-11-21 14:50 | 2025-12-17 17:57 | Acknowledged | 2 - Non-Material | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/17/2025 <br> Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of 1XX/XX/XXXX HO-6 Insurance Policy Effective Date of XX/XX/XXXX is same as disbursement date XX/XX/XXXX - Due Diligence Vendor-11/21/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/17/2025<br>|  |  | FICO 804; DTI 26%; Borrower with 27 years in same field of work | XX | Primary Residence | Purchase | NA | 6347421 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205023 | Closed | 2025-11-21 07:22 | 2025-12-17 18:02 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-12/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is same day on disbursement date XX/XX/XXXX. - Due Diligence Vendor-11/21/2025 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-12/18/2025<br>|  |  | FICO 806; Reserves $477k; DTI 32% | XX | Primary Residence | Purchase | NA | 6338148 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205043 | Closed | 2025-12-02 16:29 | 2025-12-09 05:31 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received HVE supporting value within 10% tolerance as allowed by guidelines. Condition cleared. - Due Diligence Vendor-12/09/2025 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received HVE supporting value within 10% tolerance as allowed by guidelines. Condition cleared. - Due Diligence Vendor-12/09/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/09/2025<br>| XXXXXXXX XXXXXXXXXXX HVE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6455869 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205030 | Closed | 2025-11-17 13:39 | 2025-12-01 06:59 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Received secondary valuation supporting value within 10% tolerance as required by lender guidelines. Condition cleared. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/29/2025 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/29/2025<br>| Resolved-Received secondary valuation supporting value within 10% tolerance as required by lender guidelines. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XXXXX XXXXXXXXXXX HVE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6278243 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205033 | Closed | 2025-11-20 06:30 | 2025-12-02 09:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Received evidence of property taxes. Condition cleared. - Due Diligence Vendor-12/02/2025 <br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/02/2025 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing evidence of property taxes for the subject property. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received evidence of property taxes. Condition cleared. - Due Diligence Vendor-12/02/2025 <br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/02/2025<br>| XXXXXXXXXXX Tax1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6317651 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205033 | Closed | 2025-11-20 06:33 | 2025-12-02 09:13 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received evidence of property taxes. Condition cleared. - Due Diligence Vendor-12/02/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Missing Evidence of Property Tax Missing evidence of property tax for the subject property. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received evidence of property taxes. Condition cleared. - Due Diligence Vendor-12/02/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/02/2025<br>| XXXXXXXXXXX Tax1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6317671 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205022 | Closed | 2025-11-24 13:59 | 2025-12-01 07:07 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Received secondary valuation supporting value within 10% tolerance as required by lender guidelines. Condition cleared. <br> - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/29/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/29/2025<br>| Resolved-Received secondary valuation supporting value within 10% tolerance as required by lender guidelines. Condition cleared. <br> - Due Diligence Vendor-12/01/2025<br>| XXXXXX XXXXXXXXXXX HVE.pdf |  |  | XX | Primary Residence | Purchase | NA | 6370420 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205011 | Closed | 2025-11-12 10:39 | 2025-11-18 16:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-4506C received. Condition Resolved. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-4506C received. Condition Resolved. - Due Diligence Vendor-11/18/2025<br>| XXXX XXXXXXXXXXX 4506C.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6224909 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205011 | Closed | 2025-11-12 10:39 | 2025-11-18 16:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-4506C received. Condition Resolved. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-4506C received. Condition Resolved. - Due Diligence Vendor-11/18/2025<br>| XXXX XXXXXXXXXXX 4506C.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6224908 | N/A | N/A |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205008 | Closed | 2025-11-13 10:09 | 2025-11-19 10:29 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-11/19/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX and Disbursement date is also XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-11/19/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6238727 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205002 | Closed | 2025-10-22 09:13 | 2025-11-18 13:36 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/18/2025 <br> Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2025 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 5970640 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205004 | Closed | 2025-10-28 09:12 | 2025-11-18 13:40 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is on or prior to the Disbursement Date. - Due Diligence Vendor-11/12/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-10/28/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6035219 | Investor Post-Close | No |
| XXXXXXXX | XXXXXXX | XXXXXX | XXXXXX | 54920260205013 | Closed | 2025-11-13 10:01 | 2025-11-18 13:42 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date is on disbursement date - Due Diligence Vendor-11/13/2025 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-11/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6238608 | Investor Post-Close | No |

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